Senior Analyst – Commercial Risk Modeling _ BFS

Job description

Job Description - -------------- Job Description Experience: 3-7 Years Role: Senior Analyst - Commercial Risk Modeling Domain: Banking \& Financial Services (Commercial Banking) Job Summary The ideal candidate should have a strong background in Statistics along with experience in Commercial Risk Modeling. The candidate should be able to analyze business financial statements and Profit \& Loss (P\&L) statements, understand commercial lending risk, and have hands-on experience in risk-rating commercial clients. The role requires strong analytical capabilities, quantitative skills, and the ability to work closely with business and risk stakeholders. Key Responsibilities . Develop, validate, and support Commercial Risk Models used for commercial lending portfolios. . Analyze business financial statements, including Balance Sheet, Profit \& Loss (P\&L), and Cash Flow Statements, to assess the financial health of commercial clients. . Perform quantitative and statistical analysis to support commercial credit risk assessment. . Review and interpret commercial client financials for risk evaluation and decision-making. . Perform commercial client risk rating and support ongoing monitoring of existing portfolios. . Analyze portfolio trends, risk migration, and key risk indicators. . Work closely with business, credit risk, and model development teams to support model enhancements. . Prepare analytical reports and present findings to stakeholders. . Ensure adherence to internal risk policies and regulatory requirements. . Support model governance, documentation, validation, and audit requests. Job Requirement Required Qualifications . Bachelor's or Master's degree in Statistics, Mathematics, Economics, Finance, Engineering, or a related quantitative discipline. . 3-7 years of experience in Commercial Risk Modeling, Credit Risk Analytics, or Commercial Banking Risk. . Strong background in Statistics. . Experience analyzing business financial statements and Profit \& Loss (P\&L) statements. . Experience in risk-rating commercial clients. . Strong understanding of Commercial Banking and Credit Risk concepts. . Excellent analytical and problem-solving skills. Required Technical Skills . SQL . Python . Advanced Excel . Statistical analysis and modeling techniques Preferred Skills . Experience with Commercial Lending portfolios. . Knowledge of Credit Risk Modeling methodologies. . Familiarity with regulatory frameworks related to Commercial Banking. . Experience working with large financial datasets. . Exposure to data visualization tools such as Power BI or Tableau is an added advantage. Preferred Competencies . Strong analytical and quantitative mindset. . Excellent problem-solving abilities. . Good stakeholder communication and presentation skills. . Attention to detail and high level of accuracy. . Ability to work collaboratively in a cross-functional environment. . Ability to manage multiple priorities and deliver within deadlines.