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The Credit Portfolio Analyst II is an intermediate-level position responsible for the end-to-end management and continuous validation of all post-implementation processes and ongoing production monitoring for customer-facing credit risk platforms. This role ensures that all credit risk technology solutions, once deployed, perform effectively, and align with both regulatory requirements and business objectives. This person will be responsible for validating model and platform performance, identifying areas for optimization, and ensuring stability, reliability, and scalability of systems in production.
Job Responsibility:
Perform the validation of all customer-facing credit risk platforms post-deployment
Development and execution of post-implementation validation frameworks
Partner with risk management, IT, and operations teams to assess potential vulnerabilities
Establish and manage a robust framework for ongoing production monitoring of credit risk platforms
Implement real-time and batch monitoring processes that assess credit risk platforms’ operational performance, data integrity, and customer impact
Ensure timely resolution of production issues
Ensure all customer-facing credit risk platforms perform reliably in production
Support initiatives to continuously improve platform stability
Engage with business stakeholders to understand customer needs and expectations
Ensure all post-implementation validation and production monitoring activities meet regulatory and compliance requirements
Develop and maintain documentation and audit trails
Collaborate with internal audit, compliance, and regulatory bodies
Enhance the governance and control frameworks for credit risk platforms
Implement ongoing risk assessments to identify and mitigate emerging risks in production systems
Collaborate with cross-functional teams to ensure that all risk controls are integrated into the monitoring process
Requirements:
Bachelor’s degree in information technology, Business, Risk Management, or a related field
2+ years of experience in risk management, technology operations, or production monitoring in corporate banking/ financial institutions
Knowledge of corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
Basic understanding of credit risk management, technology platforms, and operational risk controls
Familiarity with modern monitoring tools, risk management frameworks, and production systems used to assess technology performance in real-time (SAS/ Tableau/ AI/ Oracle) supported by relevant programming skills
Statistical knowledge – familiar with key statistic metrics/ concepts
Knowledge of regulatory requirements related to credit risk, data management, and customer-facing platforms
Strong strategic thinker with the ability to anticipate production challenges and operational risks
Experience in problem-solving complex operational issues
Strong analytical skills in conducting analysis using bureau/ application/ customer data to identify anomalies and adverse trends
Ability to communicate system performance, risks, and monitoring insights to senior leadership, technology teams, and business partners
Proven ability to remain organized in a fast-paced environment
Clear and concise written and verbal communication skills
Demonstrated accountability, self-motivation and business acumen