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. 

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.