Senior Analyst – Commercial Risk Modeling _ BFS

Experience: 3-7 Years

Role: Senior Analyst - Commercial Risk Modeling

Domain: Banking & Financial Services (Commercial Banking)

Job Summary

The ideal candidate should have a strong background in Statistics along with experience in Commercial Risk Modeling. The candidate should be able to analyze business financial statements and Profit & Loss (P&L) statements, understand commercial lending risk, and have hands-on experience in risk-rating commercial clients. The role requires strong analytical capabilities, quantitative skills, and the ability to work closely with business and risk stakeholders.

Key Responsibilities

. Develop, validate, and support Commercial Risk Models used for commercial lending portfolios.

. Analyze business financial statements, including Balance Sheet, Profit & Loss (P&L), and Cash Flow Statements, to assess the financial health of commercial clients.

. Perform quantitative and statistical analysis to support commercial credit risk assessment.

. Review and interpret commercial client financials for risk evaluation and decision-making.

. Perform commercial client risk rating and support ongoing monitoring of existing portfolios.

. Analyze portfolio trends, risk migration, and key risk indicators.

. Work closely with business, credit risk, and model development teams to support model enhancements.

. Prepare analytical reports and present findings to stakeholders.

. Ensure adherence to internal risk policies and regulatory requirements.

. Support model governance, documentation, validation, and audit requests.

Required Qualifications

. Bachelor's or Master's degree in Statistics, Mathematics, Economics, Finance, Engineering, or a related quantitative discipline.

. 3-7 years of experience in Commercial Risk Modeling, Credit Risk Analytics, or Commercial Banking Risk.

. Strong background in Statistics.

. Experience analyzing business financial statements and Profit & Loss (P&L) statements.

. Experience in risk-rating commercial clients.

. Strong understanding of Commercial Banking and Credit Risk concepts.

. Excellent analytical and problem-solving skills.

Required Technical Skills

. SQL

. Python

. Advanced Excel

. Statistical analysis and modeling techniques

Preferred Skills

. Experience with Commercial Lending portfolios.

. Knowledge of Credit Risk Modeling methodologies.

. Familiarity with regulatory frameworks related to Commercial Banking.

. Experience working with large financial datasets.

. Exposure to data visualization tools such as Power BI or Tableau is an added advantage.

Preferred Competencies

. Strong analytical and quantitative mindset.

. Excellent problem-solving abilities.

. Good stakeholder communication and presentation skills.

. Attention to detail and high level of accuracy.

. Ability to work collaboratively in a cross-functional environment.

. Ability to manage multiple priorities and deliver within deadlines.