Credit Risk Data Analyst

A Leading Banking & Financial Services Group is seeking an analytical Credit Risk Data Analyst at the Manager or Senior Manager level to join its risk analytics team in Bengaluru or Hyderabad. In this specialized analytics position, you will perform deep-dive data investigations on retail and wholesale credit portfolios, borrower repayment behavior, and portfolio exposure trends. Furthermore, you will extract, cleanse, and transform large-scale datasets using SAS and SQL. Consequently, this role is critical for identifying credit risk drivers and maintaining regulatory compliance.

The Credit Risk Data Analyst must combine deep quantitative data manipulation capabilities with strong domain expertise in banking credit risk frameworks. Working at the intersection of risk management, finance, and IT, you will support the validation of credit risk models and compile regulatory reporting outputs aligned with RBI and IFRS 9 guidelines. Therefore, the bank is looking for a structured analyst who communicates portfolio insights effectively to executive committees. If you want to advance your analytics career in credit risk management, this position offers an ideal path.

Key Responsibilities

• Perform in-depth quantitative analysis of credit portfolios, borrower performance metrics, and delinquency exposure trends.
• Extract, clean, manipulate, and reconcile high-volume financial datasets utilizing advanced SAS macros and SQL queries.
• Assist risk modeling teams in the development, calibration, back-testing, and validation of credit risk scorecards.
• Monitor portfolio risk metrics continuously to detect early risk drivers and generate actionable mitigation insights.
• Prepare timely, audit-ready regulatory reporting data packages in compliance with RBI and IFRS 9 standards.
• Collaborate with cross-functional risk, finance, and IT squads to deliver data-driven portfolio monitoring tools.
• Document data lineage, calculation methodologies, and operational findings clearly for audit and governance reviews.

Requirements and Qualifications

• Graduate or Postgraduate degree in Statistics, Economics, Finance, Mathematics, Computer Science, or an allied field.
• 5+ Years of hands-on data analytics experience within Credit Risk departments in Banking, NBFCs, or Financial Services.
• Mandatory requirement: Demonstrated multi-year hands-on programming expertise in both SAS and SQL.
• Proven functional domain expertise in credit risk analytics, portfolio monitoring, and regulatory standards (RBI/IFRS 9).
• Beneficial credentials: FRM, CFA, or PRM certifications; working knowledge of Python for data manipulation.