Manager Enterprise Risk

1. 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.

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE
2. 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.

3.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

4.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

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Postgraduate in Finance, Economics, or related fields (MBA/PGDM, FRM, CFA preferred)

Experience (Years and Core Experience Type)

• 3-5 years of relevant experience in research, financial analysis, consulting or enterprise risk.

Certifications

• 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