Senior Analyst – Commercial Risk Modeling _ BFS

Experience: 3–7 Years Role: Senior Analyst – Commercial Risk ModelingDomain: Banking & Financial Services (Commercial Banking)Job Summary 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 strong 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.