Key Responsibilities
Proficient statistical programming skills in SAS (and other statistical software a plus), strong analytical skills and understanding of quantitative and statistical analysis. Strong experience with: DATA step data manipulation with arrays, do-loops, and merges; SAS Macro language, SAS/GRAPH, PROC SQL experience, OLS and logistic regression, univariate and multivariate statistical analysis, CART and/or CHAID.
Job Summary
The Analyst is responsible for:
Developing and maintaining Credit Risk models.
1. The purpose of the role is to build capabilities model risk measurement, management, and strategy, including:
1) Current and target state for regulatory models
2) RRA model networks and model risk
3) Regulatory requirements and future changes
4) Model life cycle and control framework
5) Model systems and Regulatory and Accounting Calculations
2. The role holder will report to the Director of the retail modelling team.
3. Build understanding of credit products, policies, and portfolio history. Apply business knowledge in proposing model design and justifying modelling decisions.
4. Develop models according to the Rolling Work Plan, including the following:
5. Extraction, preparation and audit of data and model definitions to ensure accuracy and completeness.
6. Develop new, maintain, and enhance models according to industry standards.
7. Prepares and maintains the required and supporting documentations, reports, and analysis.
8. Ensures that the models meet the SCB model standards, internal governance process and relevant regulations.
Qualifications:
1. Bachelors / Advanced (Master or higher) Degree in Statistics, Applied Mathematics, Operations Research, Economics, Engineering, or other quantitative discipline.
2. Good understanding of retail banking / small business / consumer finance products and business life cycles (e.g., sales, underwriting, portfolio management, marketing, collections.)
3. Experience in quantitative analysis & statistical modelling in credit risk / marketing / portfolio strategy for retail banking / small business / consumer finance portfolios/
4. Proficient statistical programming skills in SAS (preferred) or similar, strong analytical skills and understanding of quantitative and statistical analysis.
5. Hands-on experience in mining data and understanding data patterns.
6. Demonstrated proficiency in scorecard development is a plus.
7. Experience in directly interacting with Business and exposure to international markets will be a plus.

About our Transformation, Technology & Operations Team
Our Transformation, Technology & Operations (TTO) team is the powerhouse for the Bank. We aim to go further, faster, to ensure we're agile and ready for tomorrow, today. Our diverse network enables us to innovate and build banking solutions that support communities to prosper. We're a place where talented people are encouraged to grow, learn, and thrive, to drive their own career journeys, to reach their full potential.
When you work with us, you’re protecting the reputation and legacy of a 170 year organisation and building on it. We’re driven by progress and continuously evolving to ensure we’re agile and ready for tomorrow, today.
【福利待遇Benefits】
1.薪酬制度：基本工资、员工绩效奖励金、加班费/调休、年度薪酬回顾、试用期全额工资；
2.福利保障：五险一金、补充性商业医疗保险、免费年度体检、高温津贴、节日福利；
3.假期待遇：一周双休。除享有国家法定节假日外，还拥有至少12天带薪年假、15天带薪病假、3天志愿者假、婚假、产假以及陪产假等法定假期
4.混合办公：根据业务安排可以居家办公；
5.职业发展：丰富的aXess Academy Learning Resources，针对IT专业人士打造各类专项培训，外部培训经费，内部转岗及晋升机会；
6.工作环境：办公环境舒适，免费咖啡无限畅饮，食堂、休息区等；
7.交通安排：紧邻3号线林和西地铁站，以及天河体育中心，交通饮食便利。