Mortgage Servicing-Credit Risk Strategy & Analytics – Loss Mitigation SME

Role: Mortgage Servicing-Credit Risk Strategy & Analytics – Loss Mitigation SME- AVP Level

Location: Gurgaon

Experience:- 10 + Years

Preferred Industry: Investment Banking

Qualification: Any Graduate

Role Purpose

The Mortgage Servicing Credit Risk Strategy & Analytics role will support the development,

implementation, and management of loss-mitigation and OREO strategies and policies for consumer mortgage lending portfolios. This includes leading credit analytics in assessing various internal and external data sources for inclusion into policies and default risk strategies to optimize risk-reward tradeoffs for credit portfolios. This role requires a deep level of understanding of statistics, data, modeling, and analytical tools to creatively support the responsible growth and risk management of assigned portfolios.

Key Responsibilities

• Loss Mitigation & Workout Strategy: Analyze borrower financial documentation to determine eligibility for retention (loan modification, forbearance) or liquidation (short sale, deed-in-lieu) alternatives to foreclosure.
• Regulatory Compliance: Ensure all loss mitigation actions are compliant with US Regulatory
• Bodies focusing on the Current Expected Credit Losses (CECL) methodology.
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
• Data Analysis (SAS): Utilize SAS to analyze loan portfolios, identify credit risks, monitor early
• policy terminations, and perform predictive modeling for bad debt recovery.
• Risk Mitigation & Reporting: Identify and report on Portfolio Risk to senior management. Ensure compliance with FFIEC BSA/AML guidelines regarding high-risk accounts.
• Negotiation & Compliance: Negotiate with borrowers while ensuring all actions adhere to FDCPA, investor guidelines, and internal policies.

Key Skills & Requirements

Strong knowledge of Loss Mitigation, SAS, US regulatory