Credit Risk Analyst

About the role

The Credit Risk Analyst will support Credit & Risk Excellence initiatives by analysing portfolio performance, redesigning processes, enhancing policies, and implementing risk frameworks across multiple sectors, products, and geographies. The role works closely with Risk, Credit, Finance, and Business teams to enable data‑driven decision‑making and strengthen risk governance.

Key responsibilities

• Analyse portfolio performance, credit trends, and risk‑adjusted returns, and support assessment of sector, product, and geographic risk exposures.
• Document current‑state credit processes, identify opportunities for simplification, standardisation and automation, and support implementation of policy enhancements.
• Assist in developing RAROC models, analysing capital utilisation, profitability and portfolio metrics, and preparing management reports.
• Help define sector‑specific and product‑specific risk appetite parameters, redesign approval authorities, and track implementation across business units.
• Coordinate with Risk, Credit, Finance, Business and Technology teams to gather requirements, support workshops and governance meetings, and monitor transformation initiatives.

Required profile

• 7–10 years of banking experience in Credit Risk, Corporate Banking, Risk Analytics, Credit Governance or Business Analysis.
• Experience supporting credit transformation, policy enhancement or risk‑management initiatives, with exposure to portfolio analytics and risk reporting preferred.
• Strong understanding of credit risk principles, wholesale banking portfolios, and knowledge of RAROC and risk‑adjusted performance metrics.