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 advisory 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 Advisory include: market, credit and operational risk management, regulatory advisory, quantitative advisory, structured finance transaction, actuarial advisory, technology enablement, risk and security, program advisory, and process & controls. Within EYs FSO Advisory 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. In the wake of regulatory reforms, banks are focusing on assessing their assets portfolios for credit risks. As part of Credit Analytics team, you will support banks / financial service institutions in internal risk management and comply with various regulatory laws. For example they help ensure banks have robust, forward-looking capital planning processes that account for their unique risks and sufficient capital to continue operations through times of economic and financial stress. They verify whether the banks have maintained fairness and not discriminated against the minorities in the lending process.