Credit Risk Data Unit, AS

We are looking for an Associate to join our Credit Risk Data Unit team in Pune, India.

The Credit Risk Data Unit delivers quality-assured, timely and transparent finance-relevant risk data and analysis to key stakeholders. The team manages end-to-end processes for critical risk metrics, maintaining strong controls, regulatory compliance and operational efficiency while using data, automation and AI-enabled capabilities to improve accuracy, insight and decision-making.

Your key responsibilities

• Process relevant feeds and adjustments in strategic systems to ensure high-quality data flows into regulatory reporting platforms.
• Manage transaction, collateral and facility data from strategic source systems and approved manual feeds across all in-scope asset classes and businesses.
• Process risk feeds, branch ledger and sub-ledger data required for monthly reconciliations.
• Produce reconciliations against control checks and the posted balance sheet, investigate exceptions and maintain breaks within agreed thresholds.
• Distribute break details, obtain clear commentary, identify root causes and coordinate timely resolution with product control and other stakeholders.
• Identify opportunities to simplify controls and use workflow automation, analytics and AI-assisted tools to improve data quality, reduce manual effort and strengthen operational resilience.

Responsibilities/Tasks

• Act as the subject matter expert for assigned risk data control processes and provide clear guidance on controls, data lineage and issue resolution.
• Ensure data submitted to Group regulatory reporting systems is complete, accurate, validated and correctly mapped to key reference data.
• Deliver reconciliations and control checks against the posted balance sheet, investigate exceptions and keep breaks within approved analytical thresholds.
• Perform supervisory quality assurance reviews within agreed service levels and maintain complete, audit-ready evidence.
• Provide production support during unplanned absences, platform stabilization and business continuity scenarios.
• Serve as the first point of escalation for operational, control and data-quality issues.
• Coordinate issue resolution with the Team Lead, Operations Manager, technology teams and other stakeholders; track actions through to sustainable closure.
• Support post-process reviews of performance, incidents and control outcomes; identify root causes and drive corrective and preventive actions.
• Monitor workload, capability and overtime; escalate capacity or delivery risks and support effective allocation of work.
• Maintain current process, control and data-lineage documentation and support regular control reviews.
• Build team resilience through cross-training, knowledge sharing and effective backup coverage.
• Review management information, trends and key indicators covering monthly submissions, control performance and data quality; translate findings into concise stakeholder insights.
• Use approved automation, analytics and AI-enabled tools to detect anomalies, priorities exceptions, accelerate root-cause analysis and improve reporting, with appropriate human oversight and adherence to data-security, model-risk and governance requirements.
• Identify, assess and document automation opportunities; define requirements, support testing and measure benefits such as reduced manual effort, improved accuracy and faster turnaround.
• Support the Team Lead in setting clear objectives and providing fair, evidence-based performance feedback aligned with organizational standards.
• Support change-the-bank projects and strategic improvement initiatives, including data, automation and AI use cases.
• Partner with Change teams to maintain and deliver a prioritized remediation book of work based on data-quality and process diagnostics.
• Coordinate with project teams to deliver improvements to processes, controls and outputs, including requirements definition, user acceptance testing and implementation readiness.
• Ensure effective audit engagement, evidence coordination and timely closure of findings.
• Support the Team Lead with resource planning, succession planning, training, development and adoption of new digital capabilities.

What we’ll offer you

• 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 skills and experience

• 6–7 years of relevant experience in credit risk controls, banking operations, finance, audit, change delivery or business process improvement.
• Good understanding of banking products, including debt, securities financing transactions and derivatives, with working knowledge of Global Markets products.
• Working knowledge of credit risk management, Basel requirements and regulatory guidance relating to risk-weighted assets, leverage exposure and IFRS 9 credit loss measures.
• Advanced skills in Microsoft Excel, Word and PowerPoint; practical experience with SQL, workflow automation tools is desirable.
• Hands-on experience identifying and implementing process automation, such as low-code workflows, robotic process automation, scripting or automated controls.
• Practical understanding of AI and machine-learning applications in data quality, anomaly detection, document analysis, root-cause investigation or management reporting.
• Experience using generative AI or AI assistants responsibly to improve productivity and insight, including prompt design, output validation, human oversight and protection of confidential data.
• Strong reconciliation and quantitative analysis skills, with the ability to interpret complex data and communicate clear conclusions.
• Strong stakeholder management skills and the ability to work effectively across teams, functions and regions.

Education/Certification

• Bachelor’s degree in finance, Accounting, Business, Economics, Banking, Computer Science, Information Technology, Data Analytics or a related discipline.
• Preferably CFA or FRM qualified.