Product Owner and Senior Risk Data Journey Expert

Product Owner and Senior Risk Data Journey Expert

Credit Infrastructure

50% work from home

Hiring Manager: Preetesh Shetty

A day in the life of a Product Owner and Credit Risk Data Journey Expert

 As a Product Owner (50%) and Credit Risk Data Journey Expert (50%), you will contribute to the functionality of Credit Engines and support the implementation of regulatory projects in the Data Lake.

Your activities will include:

• Lead an Agile Squad to deliver on initiatives to support initiatives for credit risk engines .  
• Own and prioritise the product backlog, translating business priorities into clear user stories and actionable delivery plans.
• Partner with stakeholders across Credit risk, data management and tech to deliver high-quality, compliant solutions.
• Lead functional activities within the team, ensuring all risk engines are compliant with the latest policy updates.
• Act as the primary liaison with internal and external auditors, facilitating clear communication and ensuring risk compliance across all engines.
• Develop a deep understanding of the Credit Risk Data Landscape, including credit risk models (PD, EAD, LGD) and engines (DOD, EWS, DSTI, DTAI, LTV, etc.)
• Contribute to the implementation of target tooling and data architecture by designing seamless data flows and efficient tools for the Risk family and Business tribes.

How to succeed

We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself.

To thrive in this position, you’ll need to:

• Be results driven and decisive. Take ownership, follow through, and make things happen. Decisiveness is one of your key strengths.
• Collaborate effectively with stakeholders from Risk, Business, and IT to align on priorities and resolve blockers.
• Communicate clearly and confidently, especially when engaging with auditors and senior stakeholders.
• Follow through and make things happen. Decisiveness is one of your key strengths.
• Stay organized and structured, managing multiple regulatory streams and ensuring timely execution.

As a Product Owner(50%), you will also need:

• Experience working with Agile squad and backlog management.
• Ability to communicate effectively with both technical and non-technical audiences.
• 5+ years’ experience as a scrum master/ product owner.
• Familiarity with the Record Bank data landscape is a plus.

As a Credit Risk Data Journey Expert(50%), you will also need:

• Experience working with Oracle Databases and SAS Enterprise Guide.
• Strong interest and understanding of data, systems, regulation, and data lake architecture.

As a Product Owner and Risk Data Journey Expert, you will have the opportunity to:

• A key role in the digitalization of Risk, contributing to future-ready solutions.
• Unique opportunity to learn how to communicate with auditors, understand the impact of regulatory compliance, and see the engines in action—bridging the gap between data, systems, and real-world outcomes.
• Exposure to a wide variety of projects and collaboration with multiple teams across the bank.
• A progressive and agile work environment that values innovation over convention.
• Involvement in challenging projects at the forefront of new regulatory developments.
• A dynamic and flexible workplace that supports work-life balance.
• Access to training and development opportunities to grow your skills and career.

The team

The Credit Infrastructure team, part of the Integrated Risk Management department, is responsible for building and maintaining batch engines that support the Credit Risk domain. These engines compute key parameters—ranging from rule-based indicators such as definition of default and early warning signals, to model-driven metrics like Probability of Default (PD) and Loss Given Default (LGD).

These parameters have a direct impact on capital calculation, Risk Weighted Assets (RWA), and Loan Loss Provisions (LLP), making regulatory compliance a critical aspect of the team’s work. The team also maintains the data mart used for developing new models and acts as a vital link between Credit Risk business and Operational tribes such as Data Management. As a Product Owner and Credit Risk Data Journey Expert, you will contribute to the functionality of Credit Engines and play an active role in the functioning of the team. As part of the team, team members get an unique opportunity to contribute towards the overall digitalization of the risk domain.  

Would you like to get to know the department better? Book a coffee with the hiring manager, a team member, or the recruiter. In a second phase you could get to know the job content better via a My Job Your Job.