Portfolio Risk Analyst

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Overall Duties and Responsibilities

Does (The tasks / responsibilities that the role performs to address requirements in Key Result Areas)

• Review loan portfolio & model quality consistently.
• Plan, oversee & maintain reports and dashboards to support said reviews.
• Design & conduct analyses/investigations for credit policy development on matters such as: eligibility, line management, profitability, losses & write-offs, potential fraud.
• Document policies for management notification & approval and ensure implementation of approved policies.
• Prepare financial projections, sensitivity analysis, and stress testing on the portfolio of the loan product assigned.
• Proactively identify and escalate risks, as needed.
• Interface with business/product, collections, finance, & modelling teams, as well as management & partners to drive key decisions

Displays (The Knowledge, Skills, and Behaviors indicating how tasks / responsibilities will be  performed)

• Knowledge of credit risk and collections  principles and data analytics to influence data driven decisions in managing portfolio quality
• Advance SQL and data management skills
• Adept in Python for modeling and automation

Delivers (specific outputs / tangible results produced by the role; resources responsible for)

• Identify potential issues in the portfolio and engage necessary parties to minimize impact
• Recommend strategies/actions to support business goals while ensuring portfolio quality is maintained
• Generate credit risk and collections  reports to monitor portfolio quality
• Interpret reports and recommend actions to improve portfolio quality
• Automate reports and processes
• Perform ad hoc analysis as required
  

- Bachelor's degree in Mathematics, Statistics, Economics, Physics, Finance, or a related quantitative field.

- Strong technical skills in SQL, Python, and data management/analytics tools.

- Solid knowledge of Credit Risk, Collections principles, and data-driven decision frameworks.