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Credit Risk Modeling Consultant

Location Hyderabad, India
Posted 05-September-2021
About the Role:
Primary role the Credit Risk Analytics Senior Associate in the Model Implementation and Production (MIP) team is to apply business knowledge and advanced programming skills and analytics to serve as a subject matter expert, analyst, advisor and consultant to the RMG supporting model lifecycle; model performance monitoring, performance testing, data analysis, model implementation, model production, delivery of model results, change management, documentation and governance.


Perform various complex activities related to predictive modeling. Provide analytical support for evaluating, implementing, monitoring and executing credit and PPNR models across consumer and commercial business verticals

Implement, execute and monitor credit ACL, CECL, IFRS9, Basel and CCAR models for Home Lending, Auto, Unsecured (Cards, Loans, Small Business Loans, Other) portfolios and commercial portfolios

Support implementation and monitoring of Balance Sheet Modeling with focus on balance forecasting, loan spread modeling and deposit modeling

Support implementation and monitoring of Fee Income and Expense Modeling with focus on non-interest income and expense related models

Develop dynamic dashboards; analyze key risk parameters to help understand changes in business and model performance

Identify opportunities and deliver process improvements, standardization, rationalization and automations. Enhance and standardize performance analysis, reporting packages and business loss forecast processes

Maintain documentation for implementation and monitoring processes across the team with focus on standardization of controls

Market Skills and Certifications
Essential Qualifications: Over all experience around 5-8 years in similar role

Bachelors degree or higher in a quantitative fields such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer sciences

5years of experience in credit risk analytics

5years of advanced programming expertise in SAS or Python

3years of SQL programing experiences, proficient in SQL programming (SQL Server or Oracle or Teradata), and data extraction via ODBC from different platforms.

2years Unix/Linux shell script experiences. Familiar with bash/csh/ksh commands and be able to independently develop and maintain shell scripts.

Strong project management skills with ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment

Excellent verbal, written, and interpersonal communication skills

Strong ability to develop partnerships and collaborate with other business and functional areas

Knowledge and understanding of issues or change management processes

Experience determining root cause analysis

Flexibility with changing priorities

Desired Qualifications:

Familiar with and proficient in using Pandas/NumPy/SciPy/SCikit-learn/PySpark python modules.

Prior statistical modeling and advanced analysis experiences.

Experiences of predictive model development or model implementation/execution. Track record of developing BASEL, CCAR PD/LGD models for Retail / Commercial Lending and/or other predictive models for Finical/Banking industry.

Track record of automating data process and data management tasks via UNIX/LINUX shell scripts

Ability to prioritize work, meet deadlines, achieve goals and work under pressure in a dynamic and complex environment

Detail oriented, results driven, and has the ability to navigate in a quickly changing and high demand environment while balancing multiple priorities

Ability to research and report on a variety of issues using problem solving skills

Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment

We Value Diversity
At Wells Fargo, we believe in diversity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national or ethnic origin, age, disability, religion, sexual orientation, gender identity or any other status protected by applicable law. We comply with all applicable laws in every jurisdiction in which we operate. 64032
Min 5 to 8 Years.

Awards & Accolades for MyTechLogy
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Top 100 Asia
Finalist at SiTF Awards 2014 under the category Best Social & Community Product
Finalist at HR Vendor of the Year 2015 Awards under the category Best Learning Management System
Finalist at HR Vendor of the Year 2015 Awards under the category Best Talent Management Software
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