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Comprehensive Banking Expertise Needed

$3000-5000 USD

Posted about 2 months ago

$3000-5000 USD

Paid on delivery
Role Description This is a temporary remote role for a Loan Originator. The consultant should have implemented risk-based pricing and internal rating models for at least 5 banks . The consultant should be able to demonstrate an understanding of digital lending products i.e. The outcome should include models to support digital lending for the following but not limited to : • Customers term loans • Customers payday loans • Customers micro loans • Scheme loans • MSME micro loans to marketers and small businesses • Trade finance • Temporal Overdrafts Overall Internal Rating Models Scope • Review the existing loan underwriting manuals and create a gap assessment report based on observed holes in client credit risk assessment. • Analyze the loan portfolio and make recommendations on how many internal rating models to construct and how to apply them to different company divisions. • These recommendations should be based on the local and regional business contexts and best practices. • Propose credit rating criteria and weights for the various models for consideration by the Bank's management team. • Create internal rating models for the agreed-upon portfolios, including the essential parameters. • Collaborate with the Bank's team to back-test each model based on the initial models created. • Submit your observations from the initial back-testing, and adjust the model parameters as needed. • Please submit the Governance structure for model adoption, review, maintenance, and reporting.
Project ID: 37824093

About the project

1 proposal
Remote project
Active 12 days ago

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1 freelancer is bidding on average $12,500 USD for this job
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Hi, I have experience creating and working with quantitative and statistical models for a variety of financial assets including bonds which work just like loans. I have also worked on credit rating models for consumer loans, including reverse engineering the US credit rating system FICO. I have a background in statistics, finance and computer science. I have been working at leader quant firms for several years. Can I take a look at a small amount of example data you have collected? I look forward to hearing from you. Regards, Michael
$12,500 USD in 45 days
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About the client

Flag of INDIA
Chennai, India
Member since Feb 29, 2024

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