Senior Risk Analyst

Risk Analyst – Fund Transfer Pricing (FTP) & Profitability Management (PFT)

Job Summary

This role focuses on analyzing and managing the organization's balance sheet, ensuring effective fund transfer pricing and profitability measurement across business lines. The analyst will work closely with Finance, Treasury, and Risk teams to optimize funding allocation, assess business unit profitability, and support strategic financial decisions through detailed analysis and reporting.

Key Responsibilities

• Develop and maintain the Fund Transfer Pricing (FTP) framework to ensure accurate reflection of funding costs and liquidity premiums across business units.
• Conduct Profitability Management (PFT) analysis, including business segment and product-level profitability studies.
• Collaborate with Finance and Treasury to analyze Financial Ratios and Balance Sheet Management.
• Perform Financial Statement Analysis which be able to interpret P/L , B/S and Cash Flow Statement to support management decisions.
• Prepare periodic management reports, variance analyses, and scenario simulations related to profitability and funding strategies.
• Support model validation and ensure FTP assumptions align with market and regulatory expectations.
• Contribute to system and data enhancement projects for improved FTP/PFT accuracy.

Qualifications

• Bachelor's or Master's degree in Accounting, Finance, Economics, or a related field.
• Strong understanding of banking balance sheet structure, funding mechanisms, and interest rate risk.
• Minimum 1-2 years of experience in finance, treasury, ALM (Asset-Liability Management), or risk management functions.
• Proficient in financial modeling, Excel (preferably SQL/Python for data analysis.)
• Strong analytical mindset with attention to detail and accuracy.
• Excellent communication skills and ability to collaborate with cross-functional teams.

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Risk Analyst – Behavioral Modeling

Job Summary

This position is responsible for developing, calibrating, and validating behavioral models used in risk management and balance sheet forecasting. The analyst will apply statistical and econometric methods to model customer and product behaviors—such as prepayment, delay payment, or deposit decay—and support the development of advanced analytical tools for financial and risk insights.

Key Responsibilities

• Design and develop behavioral models (e.g., loan prepayment, product usage patterns) for use in cash flow analysis
• Perform statistical and econometric analysis using large datasets to identify behavioral trends and key risk drivers.
• Collaborate with Data, Treasury, and Risk teams to translate model results into business insights.
• Conduct model validation, back-testing, and performance monitoring to ensure model robustness and compliance with internal standards.
• Prepare technical/business documentation and present modeling outcomes to senior management and regulators as needed.
• Contribute to the continuous improvement of modeling frameworks and automation processes.

Qualifications

• Bachelor's or Master's degree in Statistics, Econometrics, Mathematics, Business Analytics, or related quantitative fields.
• Strong background in statistical modeling, regression analysis, and time-series forecasting.
• Proficiency in Python, R, SAS, or similar statistical software.
• Understanding of banking products, customer behavior analytics, or risk modeling frameworks is an advantage.
• Excellent analytical, problem-solving, and data interpretation skills.
• Ability to communicate complex technical results to non-technical stakeholders.