Credit Product Risk Analyst

Overview

Senior Credit Risk Product Analyst role shaping strategy, design and delivery of platforms covering end-to-end credit risk across banking and markets. You will partner with Credit Risk, Front Office, Treasury, Finance and Technology to enable robust underwriting, exposure management, collateral, impairment, and regulatory reporting aligned with Basel/CRR, ECB/SSM and PRA expectations. You’ll lead multi-year roadmaps, translate regulations into backlog and architecture, and drive complex delivery across regions. This is a chance to influence risk platforms in a major Japanese financial institution and work with cross-functional teams to deliver measurable business outcomes.

Responsibilities

• Own multi-year product roadmap for Credit Risk platforms, aligned with Risk and business strategy
• Translate regulatory and business priorities into backlog, investment cases, and target-state architecture with Technology and Data
• Lead complex delivery workstreams from discovery to production, including design, UAT, and rollout
• Mentor AVP/Analyst team members and set standards for requirements, design artefacts, and release governance
• Partner with quants and risk managers to refine methodologies and validate outcomes
• Ensure alignment to Basel III/IV and CRR/CRD for credit risk RWA and CRM eligibility
• Translate SA-CCR, IMM/EAD, Default Risk definitions into functional requirements and controls
• Support ECB/SSM, PRA, and internal audit engagements; lead remediation plans and control enhancements
• Drive data sourcing, lineage, and governance for Risk Data, Architecture, and Controls
• Lead governance engagement and deliver materials for risk governance forums and change boards
• Run workshops and change-management for major releases; ensure adoption and measurable outcomes
• Prepare and deliver materials for risk governance forums, architecture councils, and change boards up to MD-level

Key requirements

• Significant experience in Credit Risk, Product Management, or Risk Technology within a regulated bank or markets environment
• Deep understanding of credit risk frameworks: underwriting, limits & exposure, collateral/margining, impairment (IFRS 9), CCR (SA-CCR/IMM), and credit RWA (SA/IRB)
• Proven track record delivering complex risk platforms (e.g., Moody’s RiskAuthority, RiskFoundation, AxiomSL, Wolters Kluwer, nCino, Murex, Calypso)
• Strong analytical and documentation skills; ability to translate policy and regulatory requirements into functional designs
• Excellent stakeholder management and communication; ability to influence senior leaders in global programmes
• Agile delivery experience; familiarity with model risk governance and data controls preferred
• Evidence in CV of the above requirements

• Stakeholder management
• Communication
• Change management
• Moody’s RiskAuthority/RiskFoundation
• AxiomSL
• Wolters Kluwer

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