Credit Risk Analyst

Location: BangaloreExperience: 5-7 yearsAbout UsWe are a fast-growing UAE and UK based data engineering, AI and computational finance consulting company. We work with banks and financial institutions in providing them consulting services including resource augmentation. In this role you will be supporting a UK-based, fast-growing, institutional-backed Fintech alternative lender specialising in residential Buy-to-Let (BTL), bridging loans, and real estate financing. Role OverviewAs the Credit Risk Analyst, you will play a key role in assessing, monitoring and managing credit risk across the company's portfolio of products. You will ensure all risk decisions are aligned with internal policies, and the requirements of the regulator Financial Conduct Authority (FCA). This role suits someone with the relevant credit risk experience, strong analytical skills, sound judgement and a commitment to ethical finance. This individual will have hands-on experience of IFRS 9 impairment modelling, including PD, LGD and EAD methodologies, staging assessment and expected credit loss (ECL) calculations.Key ResponsibilitiesMonitor and report on the performance of the existing HPP, BTL and Bridging portfolios, identifying emerging risks and trends.Assist in the development and maintenance of credit risk policies, procedures and risk frameworks.Secretariat for Credit Committee.Manage and develop the packs for Credit Committee, Exco Risk Committee and Board Risk & Audit Committee.Support the monitoring of accounts in arrears, forbearance cases and early warning indicators.Ensuring compliance with relevant FCA regulations and internal governance processes.Contribute to stress testing, scenario analysis and risk modelling activities (including IFRS9).Collaborate with Underwriting, Operations, Compliance and Sharia Advisory teams to ensure consistent risk standards across the business.Assist with training new team members on Credit Risk policies and procedures.Support ad hoc compliance and administrative tasks as needed.Key RequirementsExperience in credit risk, underwriting or financial analysis (mortgages, HPP, secured lending preferred).Strong knowledge of IFRS 9 and expected credit loss methodologies.Experience with PD, LGD and EAD modelling.Advanced Excel and SQL skills; experience with SAS, Python or R desirable.Strong understanding of UK regulatory requirements (FCA, MCOB, AML/CTF).Excellent analytical skills and the ability to interpret financial and non-financial data.Strong written and verbal communication skills, with the ability to present clear recommendations.High attention to detail, sound judgementCommitment to ethical, customer-centric decision-making.Ability to work independently and as part of a collaborative risk team.