Ujjivan Small Finance Bank
23 hours ago
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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Ujjivan Small Finance Bank
23 hours ago
Bengaluru, India Ujjivan Small Finance Bank Limited Full timePURPOSE & OBJECTIVE- Responsible to prepare the long term business plans, business strategy, yearly business budget & forecasts in collaboration with the Business teams.KEY DUTIES & RESPONSIBILITIES OF THE ROLEBusiness/ Financials- Industry Analysis and Competitor Study: Conducting a competitor study and industry analysis in partnership with sales and...
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Ujjivan Small Finance Bank
24 hours ago
Bengaluru, India Ujjivan Small Finance Bank Limited Full timeLead the development and periodic refinement of the Banks medium- to long-term Liabilities Strategy, ensuring alignment with organizational objectives.- Translate strategic priorities into actionable business plans with measurable deliverables across retail, corporate, and institutional liability segments.- Drive execution of strategic initiatives in...
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Ujjivan Small Finance Bank
1 day ago
Bengaluru, India Ujjivan Small Finance Bank Limited Full time- Lead the development and periodic review of the Bank's medium to long-term Assets Strategy, ensuring alignment with organizational goals.- Translate strategic priorities into actionable business plans and measurable outcomes across all asset verticals (Retail, SME, Corporate, and Agri).- Partner with product, risk, finance, and distribution teams to...
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Ujjivan Small Finance Bank
23 hours ago
Bengaluru, India Ujjivan Small Finance Bank Limited Full timeROLE PURPOSE & OBJECTIVE:- Support the creation, review, and periodic modification of the Bank's medium- to long-term functional strategy.- Translate strategic objectives into actionable business plans and measurable outcomes across support and enabling functions (Operations, Technology, Risk, HR, Finance, etc.).- Ensure alignment of functional...
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Ujjivan Small Finance Bank
1 day ago
Bengaluru, India Ujjivan Small Finance Bank Limited Full timeKey Responsibilities:- Support creation and periodic review of the Bank's medium- to long-term Assets Strategy in alignment with organizational priorities.- Translate strategic objectives into actionable business plans with measurable milestones across Retail, SME, Corporate, and Agri Lending portfolios.- Collaborate with product, credit, risk, and...
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Ujjivan Small Finance Bank
22 hours ago
Bengaluru, India Ujjivan Small Finance Bank Limited Full time- Support formulation and periodic review of the medium to long-term Liabilities Strategy in alignment with organizational goals.- Translate strategic objectives into actionable plans with measurable milestones across retail, corporate, and institutional liabilities segments.- Partner with product, branch banking, and digital teams to ensure cohesive...
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Ujjivan Small Finance Bank
24 hours ago
Bengaluru, India Ujjivan Small Finance Bank Limited Full timePlanning, developing, and implementing the strategies, policies, objectives and activities of the MSME Loan business to ensure achievement of the objectives of business levels and profitability.- Identify and formulate policies & products that cater to the target customer segments.- Focus on profitability, growth and managing the business in a risk mitigated...
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Ujjivan Small Finance Bank
6 days ago
Bengaluru, India Ujjivan Small Finance Bank limited Full timeKey Responsibilities :- Execute IT audits in line with the Internal Audit Annual Plan.- Conduct regulatory audits for critical banking applications (e.g., Core Banking System, Internet Banking).- Examine internal IT controls for design and operational effectiveness.- Test and identify network and system vulnerabilities to ensure security and compliance.-...
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Financial Analyst
3 weeks ago
Bengaluru, India Ujjivan Small Finance Bank Full timeJOB TITLE Financial Analyst GRADE SM DEPARTMENT F & A LOCATION HO SUB-DEPARTMENT TYPE OF POSITION Full-time REPORTS TO National Manager – Financial Planning ROLE PURPOSE & OBJECTIVE Responsible to prepare the long term business plans, business strategy, yearly business budget & forecasts in collaboration with the Business teams. KEY DUTIES &...
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▷ [Only 24h Left] Financial Analyst
3 weeks ago
Bengaluru, India Ujjivan Small Finance Bank Full timeJob Description JOB TITLE Financial Analyst GRADE SM DEPARTMENT F & A LOCATION HO SUB-DEPARTMENT TYPE OF POSITION Full-time REPORTS TO National Manager Financial Planning 1. ROLE PURPOSE & OBJECTIVE - Responsible to prepare the long term business plans, business strategy, yearly business budget & forecasts in collaboration with the Business teams. 1. KEY...
