Associate - Credit, Risk Management, Credit Risk Policy - Risk Analyst

Early Applicant

Fresher

Job Description

Job Description

Design and support the implementation of credit strategies for consumer and SME loans, including anti-fraud, collection, and risk policies.
Evaluate the creditworthiness of new applicants and monitor the financial performance of existing customers.
Develop and track key indicators to detect fraudulent activities and optimize risk strategies.
Collaborate with local teams to consolidate system requirements and coordinate with product/development teams for execution.
Conduct data analysis on risk exposure and profitability, presenting insights and recommendations to senior management.
Assess business operations and market trends to enhance competitive positioning.
Prepare reports to track key performance indicators and refine business policies and processes.

Requirements

Bachelor's degree in Quantitative Finance, Statistics, Computer Science, Business Analytics, Data Science, or related fields.
Open to fresh graduates and candidates with up to 2 years of relevant experience.
Strong analytical skills and experience in data management.
Proficiency in Excel, PPT, SQL, SAS, or Python.
Ability to navigate ambiguity, develop testable hypotheses, and drive actionable outcomes.
Strong attention to detail and ability to identify data inconsistencies.
Effective communication skills to present complex insights to technical and business stakeholders.
Prior experience in Retail/Institutional Banking, Consumer/SME Finance, Supply Chain Finance, e-Commerce, Consulting, or Credit Ratings is a plus.