Assistant Manager
2 months ago
**Organisation Unit Purpose**:
Group Retail Credit is the Credit Policy, Strategy & Analytics unit for Retail Lending covering Personal Loans, Auto Loans, Credit Cards, Mortgages, Overdrafts and SME. The Decision Management System, a product offering from SAS, caters to the evolving needs of automated decisioning capabilities as it hosts credit scoring models, data warehouses, rule building capabilities and workflows to cater to credit Policies that governs the credit evaluation of a customer based on which credit facility is extended or declined. The system is used to drive real-time interactions and automate analytically driven decisions at scale. In order to effectively manage the overall risk involved of credit process within GRC there are 2 units credit Decision Analytics & Decision Management Implementations teams.
**Job Purpose**:
To be part of a team of Analysts / Statisticians / Database Managers in devising, developing, and enhancing MIS and analytical reports. Build comprehensive data platform & analytics pack for all Products.The main deliverable of the job is to create MIS & dashboards based on credit decisions outcomes from Decision Engine/ Credit UW to asses the accuracy, performance of the decisions and policies. The person should be able to design and maintain the frampeork/data marts working with IT and GRC stakeholders on which these MISes & dashboards can be developed.
**Main Tasks**:
- Engage in the framework development phase as and when required
- Responsible for the timely monitoring of all credit related frameworks
- Preparation of related framework process documents
- Publish the monitoring and validation results to the higher management
- Active participation during the implementation and troubleshoot stages of credit decision frameworks and optimization programs in the credit decision engine
- Ensuring that the credit bureau variables are in line with the agreed logics
- Timely update of the credit bureau repository
- Regular management of all group level credit repositoriesRegular analysis on the credit decision at product level
- Deep dive analysis on the sourcing trends and related impact assessment on credit frameworks and tools
- Active engagement in the credit lifecycle including the underwriting and remedial actions by providing analytical insights
- Identifying the yield and loss trend on the portfolio
- Deep dive on any portfolio deterioration
- To interact with IT partners - EDW for data collation,
- Track the impact of newly deployed decisioning strategies.
- Analyze the performance of workflows and strategies e.g. approve/reject, rules effectiveness and optimization, and propose enhancements.
- Understand any additional business requirements pertaining to DM System and manage its fulfillment in the form of a project.
**Person Specifications**:
**Knowledge Areas**:
- Strong Analytical skills
- Knowledge of retail asset banking products
- Good Communication skills
**Skill Areas**:
- SAS Decision Management Systems, SAS Programming, VBA, SQL,
- SAS DI Credit bureau, Data Marts
**Prior Work Experience**:3 to 5 years
**Educational Qualifications**:Graduate or above
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