Risk Analyst

Job Summary:
We are seeking a motivated Risk Analytics Supervisor to join our dynamic Risk Analytics team. The successful candidate will play a key role in supporting identification, assessment, and mitigation of credit risks across various unsecured lending products. This role involves working with large datasets, utilizing SQL (or SAS) and Excel to perform detail analyses, and effectively communication findings in English to stakeholders.
Key Roles & Responsibilities:
Credit risk analysis and portfolio monitoring
Conduct comprehensive risk assessments: evaluate portfolio to identify potential credit risks using various reports and indicators (delinquency rates, roll rates, early warning, etc.).
Monitor risk indicators: regularly track key risk indicators to detect emerging risks.
Monitor credit policies: monitor credit policies to assess the impact of new policies on portfolio and customer profiles.
Reporting
Prepare detailed reports: generate periodic (Portfolio Quality Report, A, B Score, etc.) and ad-hoc reports in English for internal and external teams, summarize analysis results and providing actionable insights.
Present findings: communicate data interpretations clearly to both technical and non-technical audiences with varying levels of expertise.
Update existing reports: adjust the content of periodic reports as situations arise. For example, add new metrics, delete, or adjust existing metrics.
Maintain documentation: keep thorough records of methodologies, analysis, reports, guidelines and manual for transparency and future reference.
Data management
Utilize SQL/SAS for data handling: develop and maintain Risk Analytics' data marts using SQL/SAS to support risk analysis activities.
Ensure data integrity and punctuality: perform data cleaning and validation processes to maintain the accuracy and reliability of data marts, ensure punctual generation of data marts for internal usages.
Maintain documentation: keep thorough records of data mart description for transparency and future reference.
Provide ad-hoc analysis and other tasks as assigned