Ujjivan Small Finance Bank

4 weeks ago

Bengaluru, India Ujjivan Small Finance Bank Limited Full time

ROLE PURPOSE & OBJECTIVE:- (These responsibilities are representative and the role holder is also responsible for any other job assigned by the superior authorities from time to time.- This section in not intended to be an exhaustive listing of all activities done by the role holder.- It should capture only the key deliverables and responsibilities of the role.- The Bank intends to onboard a research analyst to join the Enterprise Risk Management (ERM) unit within the Risk Management Department.- The role involves conducting in-depth research, benchmarking, and analysis to support risk assessments, strategic decision-making, and Board-level reporting.- The analyst will work closely with the risk leadership team to provide insights into the financial, sectoral, and macroeconomic factors that influence the Bank's Enterprise risk posture. KEY DUTIES & RESPONSIBILITIES OF THE ROLE: Business/ Financials:- Conduct balance sheet benchmarking of the Bank against peers (SFBs, Universal banks, peer NBFCs.- Perform ratio analysis & interpret trends/insights on capital adequacy, NIM, cost-to-income, credit costs, GNPA/NNPA, RoA, RoE etc.- Track and interpret peer disclosures, investor presentations, call transcripts & annual reports for risk and performance insights.- Research and review business models of peers across retail, MSME, Microfinance, Housing and other segments.- Prepare structured notes on emerging sectors risks, competitive strategies, and market positioning and deliver insights on yields, risk-adjusted returns, portfolio vulnerabilities, key risk drivers etc.- Track and interpret macroeconomic developments (GDP, inflation, interest rates, liquidity, credit growth etc.- Monitor various pricing strategies adopted in various credit products and implement Risk Based Pricing in compliance to Regulatory requirements.- Assist in the documentation of the Bank' ICAAP/CCAR/SCAP findings. Customer (Both Internal & External):- Prepare sectoral risk outlooks for housing finance, MSME, Microfinance, gold loans & vehicle loans including early warning signals from global & domestic economic trends.- Prepare and publish integrated risk scores for key SBUs and actively engage with SBUs to ensure implementation of corrective measures by the first line.- Contribute to risk posture reports, Board level dashboards & other reporting aspects on risk management at various committees/forums.- Conduct State Level Risk Connect (SLRC) meetings on ongoing basis.- Engage with regional leadership team, branch supervisors/officials to understand field level insights on customer and field staff and recommend enhancements to various policies and processes. Innovation & Learning:- Updating self with laws and regulations related to business.- Contribute in content preparation, learning material for various risk related training programs.- Pursue Relevant Courses for cross learning and prepare self for growth opportunities.- Visit Field/Branch to get updated to keep abreast of Banking Operations & area related issues. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS: Educational: Qualifications:- Postgraduate in Finance, Economics, or related fields (MBA/PGDM, FRM, CFA Certifications on FRM/PRM is an added plus. Functional Skills:- Understanding of data required for analysis of bank wide risk metrics.- Conceptual thinking ability to interpret business models, balance sheet, peer bank performance, financial soundness & inherent risks.- Elementary knowledge of Banking operations. (ref:iimjobs.com)

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