Senior Analyst, Deel

• If you have a strong background in financial risk management and a passion for solving complex credit-related challenges, this role is for you
• Bachelor’s degree in Finance, Economics, Business, or a related field. Advanced degrees (MBA, Master’s in Finance) preferred
• Work Experience: 5-7 years of experience in credit risk management, financial risk analysis, or related roles within banking, financial services, or fintech industries
• Expertise in credit risk management frameworks, including credit scoring models, stress testing, and portfolio risk assessment
• Demonstrated experience integrating credit risk frameworks into business processes and decision-making
• Advanced understanding of financial regulations, credit products, and payment services
• Strong analytical and complex problem-solving skills, with experience in statistical analysis and modeling
• Familiarity with risk-related technologies and tools, such as Risk Management Information Systems (RMIS) and actuarial tools

Desirable

• We’re seeking a highly skilled Credit Risk Senior Analyst to join our Global Risk Management team
• This role is critical to the development and oversight of credit risk strategies, frameworks, and processes that ensure effective management of financial risks
• You will play a key role in assessing and mitigating credit exposures, optimizing risk models, and delivering actionable insights to support sustainable growth
• As a Credit Risk Senior Analyst, you’ll work collaboratively across finance, operations, and other business units to develop and enhance credit risk frameworks, policies, and reporting
• Develop and Maintain Credit Risk Policies: Draft, maintain, and update credit risk policies, procedures, and frameworks aligned with the organization’s enterprise risk management (ERM) strategy and regulatory requirements
• Credit Risk Assessment and Analytics: Conduct in-depth credit risk analysis, including evaluating counterparties, customers, and portfolios. Analyze credit exposure, concentration risks, and creditworthiness to inform decision-making
• Model Development and Validation: Develop and validate credit risk models, including probability of default (PD), loss given default (LGD), and exposure at default (EAD) models
• Implementation of Key Risk Indicators (KRIs): Support the implementation and monitoring of KRIs and other metrics to measure and track credit risk effectively
• Stakeholder Collaboration: Work with finance, operations, and other teams to develop appropriate metrics and deliver relevant and accurate data for credit risk management
• Risk Reporting: Prepare comprehensive credit risk reports for governance committees, boards, and other stakeholders. Ensure that reporting aligns with regulatory requirements and internal standards
• Credit Portfolio Management: Monitor and manage credit portfolios, identifying emerging risks and recommending strategies to mitigate potential losses
• Regulatory Compliance: Ensure adherence to relevant financial regulations and guidelines, maintaining up-to-date knowledge of changes in the regulatory landscape
• ERM Alignment: Collaborate on enterprise-wide risk initiatives, such as risk appetite frameworks, RCSAs, and risk education programs, to foster a strong risk-aware culture
• Process Optimization: Leverage data and tools to identify trends in credit losses and recommend process improvements to reduce exposure and enhance profitability