Credit Risk Analyst

Total Experience : 2-8 years

Location : Gurugram , Bengaluru & Pune

Please find the JD-

Looking for an Analytics professional with 2+ years of work experience in banking / NBFC / Fintech sector and expertise with ECL modeling/estimation for retail portfolios along with regulatory framework understanding like IFRS9. An ideal candidate would be someone who has worked with multiple clients on their ECL journey so would be aware of multiple challenges which comes on the ECL side.

Responsibilities:

· Support the development and maintenance of ECL models (PD, LGD, EAD) under IFRS9 / PFRS9 across multiple portfolios (credit cards, personal loans, etc.)

· Help calibrate and validate models using internal and external data, documenting assumptions, methodologies, and validation results.

· Ensure regulatory compliance with BSP circulars and PFRS9 guidelines by preparing documentation and supporting internal and external audits.

· Reconcile ECL outputs with Finance and Accounting teams and assist in providing explanations on drivers of change.

· Work with Credit, Collections, and Finance teams to incorporate business strategies into impairment forecasts.

· Prepare draft reports and presentations of ECL results and recommendations for senior management and committees.

· Maintain model governance documentation (model risk, version control, sign-offs).

Skillset:

· 3+ years of experience in credit risk, impairment / ECL support, or provisioning in a bank, fintech, or consulting environment.

· Good understanding of IFRS9 / PFRS9 ECL framework, including staging, PD/LGD/EAD concepts, forward-looking overlays, and macroeconomic scenarios (willingness to deepen expertise is key).

· Preferable if well versed with south east Asia geography.

· Preferable if worked in consulting setups before.

· Proficiency in excel, working knowledge of analytics tools (SQL, Python) for data analysis.

· Strong communication and interpersonal skills, ability to explain findings clearly and work with cross-functional teams.

· Exposure to digital banks or fintechs, stress-testing frameworks, model validation, credit policy; CPA or CFA certification (or progress) is an advantage but not required.