Job Title: Portfolio Analytics & Monitoring Associate (Retail + Mortgage)
Company: PwC India
Location: Mumbai
Job Type: Full-time
Summary:
We are seeking a highly skilled Portfolio Analytics & Monitoring Associate with 26 years of experience in retail and mortgage portfolios. The ideal candidate will be responsible for portfolio servicing oversight, delinquency monitoring, risk analysis, and insight generation. This role requires proficiency in SAS and Tableau, with mortgage product knowledge preferred and US mortgage experience ideal. The candidate will translate credit policy into portfolio rules and strategies, ensure policy adherence in delinquency management and servicing oversight, and deliver actionable insights through analytics and reporting.
Responsibilities:
- Conduct portfolio servicing and delinquency oversight to ensure adherence to credit policy and risk standards.
- Translate credit policy into portfolio rules and strategies, including segmentation, limits, and decision criteria.
- Evidence policy adherence through delinquency management, servicing oversight, and insight packs.
- Ensure policy changes are accurately reflected in analytics and reporting using SAS and Tableau.
- Analyze portfolio performance by tracking key metrics such as delinquencies, non-performing assets, losses, prepayment rates (mortgages), and utilization (credit lines).
- Use SAS to segment data by product, region, and vintage, and Tableau/Excel to visualize portfolio trends.
- Generate insights to support strategic decisions, such as tightening credit in specific segments or identifying early warning signs of risk.
- Collaborate with risk management, servicing, and compliance teams to address portfolio-related issues.
- Maintain accurate documentation of portfolio analytics, reporting packs, and risk insights.
- Continuously evaluate and enhance portfolio monitoring processes to improve efficiency and strengthen risk controls.
- Stay updated on US mortgage market dynamics, retail credit trends, and best practices in portfolio analytics.
Requirements:
- Bachelor's degree in finance, economics, statistics, business, or related field.
- 26 years of experience in portfolio analytics, risk monitoring, or credit risk management.
- Strong knowledge of retail and mortgage products; US mortgage experience preferred.
- Proficiency in SAS and Tableau for data analysis and visualization.
- Excellent analytical skills with the ability to interpret complex portfolio data and identify potential risks.
- Detail-oriented with strong organizational and time management abilities.
- Effective communication skills, both verbal and written, with the ability to present insights clearly and concisely.
- Ability to work independently and collaboratively in a fast-paced environment.
Preferred Qualifications:
- Professional certifications such as FRM (Financial Risk Manager) or CFA.
- Experience working with large-scale retail or mortgage portfolios in financial institutions.
- Familiarity with US mortgage regulatory requirements and investor guidelines.
Benefits:
- Competitive salary
- Health insurance
- Paid time off and holidays
- Professional development opportunities
