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 robust 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.

📌 Senior Analyst Commercial Risk Modeling _ BFS (Bengaluru)
🏢 Tiger Analytics
📍 Bengaluru