Credit Risk Analyst - Python/SQL

<p>Key Responsibilities :<br/><br/>1) Develop, validate, and monitor credit risk models for retail/commercial portfolios.<br/><br/>2) Perform model implementation, back-testing, and performance tracking.<br/><br/>3) Analyze large datasets using SQL (complex queries) and SAS (Basic & Advanced).<br/><br/>4) Build and automate analytical solutions using Python and programming logic.<br/><br/>5) Conduct model validation as per regulatory and business standards.<br/><br/>6) Work closely with risk strategy, data science, and business teams to provide insights.<br/><br/>7) Prepare documentation, model reports, and risk assessment summaries.<br/><br/>8) Support regulatory audits and model review processes (e.g., IFRS9, Basel norms).<br/><br/>9) Ensure accuracy, robustness, and compliance of credit risk models<br/><br/>Required Skills & Expertise : <br/><br/>1) SAS (Base & Advanced) - Data manipulation, analytics, statistical procedures.<br/><br/>2) SQL (Complex queries) - Joins, subqueries, CTEs, performance optimization.<br/><br/>3) Python Programming - Data handling, model development, automation scripts.<br/><br/>4) Credit Risk Modelling - Scorecards, PD/LGD/EAD modeling, validation.<br/><br/>5) Understanding of statistical techniques - Regression, time-series, clustering, etc.<br/><br/>6) Experience with model documentation and regulatory compliance.<br/><br/>Preferred Qualifications : <br/><br/>- Bachelors or Masters degree in relevant fields.<br/><br/>- 2 to 7+ years of experience in credit risk analytics or model development.<br/><br/>- Exposure to BFSI / Banking / Financial Services domain.</p> (ref:hirist.tech)