The role involves analyzing and developing risk assessment methods, maintaining rating engines, collaborating with departments, and improving data quality.
Job Description:
Job Title: Risk Methodology Senior Specialist, AVP
Location: Mumbai, India
Role Description
- The Risk Methodology (RM) department, as part of the COO Division, plays a central role in developing bank-wide risk assessment methods to support resource allocation, risk appetite management, and informed credit decisions.
- Within RM, the Rating System Analytics Team is responsible for the development and maintenance of Rating Engines (Decision Engine - rating tool for retail customers & dbRating - rating tool for non-retail customers) and their infrastructure. These engines support national and international credit decision-making processes, i.e., the granting of credit products to corporate and private customers.
- We regularly produce portfolio analyses focusing on credit application behavior, portfolio quality, and the risk-return ratio. We also support the CRM (Credit Risk Management) department in developing new automated credit decision rules and identifying early risk indicators.
- Together with the Finance and CRM departments, we monitor the IFRS 9 risk models for the Retail & Non-Retail segments.
- You will work in an environment characterized by a culture of open feedback and appreciative dialogue with employees, enabling you to successfully manage both professional and personal challenges.
What we’ll offer you
As part of our flexible scheme, here are just some of the benefits that you’ll enjoy
- Best in class leave policy
- Gender neutral parental leaves
- 100% reimbursement under childcare assistance benefit (gender neutral)
- Sponsorship for Industry relevant certifications and education
- Employee Assistance Program for you and your family members
- Comprehensive Hospitalization Insurance for you and your dependents
- Accident and Term life Insurance
- Complementary Health screening for 35 yrs. and above
Your key responsibilities
- Conducting complex analyses to support various decision-making methods.
- Further development of the Rating Engines infrastructure and its interfaces to other systems in the bank, and quality assurance of the monthly re-rating process and downstream data deliveries to other bank systems.
- Analytical support for RM stakeholders and participation in the continuous improvement of internal models, especially considering regulatory requirements (e.g., CRR, EBA GLs, etc.).
- Close collaboration with adjacent departments (CRM/Business/IT/Finance/Audit/etc.) and, where appropriate, with external supervisory authorities (ECB, BaFin) and auditors).
- Creation and Automation of monitoring reports for the RSA team including deep dives into the report results. Analyze and understand root causes, open DQ issues and follow up on improvements of the data quality.
Your skills and experience
- Completed (technical) university degree or comparable education, ideally with relevant experience. Database Management and Credit Risk Management knowledge is desirable.
- Experience in the preparation, descriptive, and exploratory analysis of large datasets, and confident use of statistical analysis software (e.g., Python, SAS).
- Strong conceptual and analytical skills; flexibility in developing new topics and the ability to proactively, quickly, independently, and solution-oriented work on tasks.
- Fluent English, written and spoken.
How we’ll support you
- Training and development to help you excel in your career
- Coaching and support from experts in your team
- A culture of continuous learning to aid progression
- A range of flexible benefits that you can tailor to suit your needs
About us and our teams
Please visit our company website for further information:
https://www.db.com/company/company.html
We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.
Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.
We welcome applications from all people and promote a positive, fair and inclusive work environment.
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