FS - RC - FSRM - CSTC - IFRS 9 - SENIOR_BLR/Noida

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Risk Consulting – Financial Services Risk Management (FSRM) – Staff / Senior Consultant   Description   EY's Financial Services Office (FSO) is a unique, industry-focused business unit that provides a broad range of integrated services that leverage deep industry experience with strong functional capability and product knowledge. FSO practice provides integrated consulting services to financial institutions and other capital markets participants, including commercial banks, investment banks, broker-dealers, asset managers (traditional and alternative), insurance and energy trading companies, and the Corporate Treasury functions of leading Fortune 500 Companies. The service offerings provided by the FSO Consulting include: Market, credit and operational risk management, regulatory consulting, quantitative consulting, structured finance transaction, actuarial consulting, technology enablement, risk and security, program consulting, and process & controls.   Within EY’s Risk Consulting Practice, the Financial Services Risk Management (FSRM) group provides solutions that can help FSO clients to identify, measure, manage and monitor the market (trading book), credit (banking book), operational, and regulatory risks associated with their trading, asset-liability management, capital management and other capital markets activities.     Role Overview   The IFRS 9 Credit Risk Analyst will play a critical role in supporting the organisation’s credit risk measurement, reporting, and impairment estimation processes. The role involves producing key credit risk indicators, performing provision calculations (both specific and collective), and maintaining robust monitoring frameworks for watchlist, default, and past‑due exposures. The analyst will also contribute to the integrity of the Loss Database and work closely with risk, finance, and business teams to ensure accurate and timely IFRS 9 reporting and regulatory compliance.   This role requires strong analytical capability, attention to detail, and sound knowledge of IFRS 9 impairment methodologies, including EAD, LGD, PD, and staging assessments.     Core Responsibilities:

Lead and support the preparation of regular risk reports, including credit risk, operational risk, market risk, liquidity risk, and transversal risk reporting, ensuring accuracy, completeness, and timely delivery Assist in producing key credit risk indicators, including Exposure at Default (EAD), IFRS 9 provisions (Stage 1, Stage 2, Stage 3), Other portfolio‑level and account‑level credit risk metrics Participate in data collection, data quality checks, validation steps, and documentation activities. Help ensure the consistency and accuracy of risk data across systems and reports. Contribute to updates and improvements on risk data tools and platforms (Risk Datamart, PowerBI, Excel). Perform data transformations, reconciliations, outlier analysis, and control checks to support the integrity of Basel and internal risk metrics Support the implementation of controls, audit requests, and process documentation. Collaborate with stakeholders to gather inputs, review outputs, and implement corrections. Assist with internal and regulatory requests, including annual reports, credit risk reviews, or management presentations.

Perform Specific Provision (SP) calculations and reporting by assessing individually significant exposures, collateral valuations, and recovery expectations Conduct Watchlist and Default monitoring, including triggers, staging movement assessment, and reporting of high‑risk accounts Monitor and report on past‑due exposures across buckets (30/60/90+ days), highlighting