Ujjivan Small Finance Bank | Enterprise Risk Manager

3 days ago


bangalore, India Ujjivan Small Finance Bank Full time

ROLE PURPOSE & OBJECTIVE:

  • Preparation and submission of Bank’s Capital Adequacy and Leverage Ratio to internal and external stakeholders (manual and system generated reports).
  • Liaise with Statutory Auditor(s) in seeking necessary assurances on key risk metrics.
  • Extract/collate and analyze necessary data points/Key Risk Indicators to review Bank level performance across all material risks and oversee adherence to Risk Appetite and Tolerance statements in order to drive & maintain stability.
  • To assist in the development of an Enterprise Risk Management framework for assessing, identifying, monitoring and reducing pertinent business, credit and pillar II risks that could interfere with the Bank's objectives and goals.
  • To submit necessary compliance and risk related matters to ACB/RMCB at regular intervals.


KEY DUTIES & RESPONSIBILITIES OF THE ROLE:


Business/ Financials

  • Translate business problems into clear analytic problem statements.
  • Compute the Bank’s Capital Adequacy Ratio (CRAR) and Leverage Ratio in compliance to Basel/RBI requirements
  • Prepare and publish Bank Stability Dashboards
  • Document and disseminate the Bank’s Pillar III and other risk related disclosures
  • Assist in requirement gathering for assessing the various pillar II risks of the Bank
  • Monitor and implement Risk Based Pricing and RAROC.
  • Undertake Stress Testing analysis and its impact on CRAR.
  • Design and monitor Risk and Control Matrices defined as per policies.
  • Assist in the documentation of the Bank’ ICAAP/CCAR/SCAP findings.

Customer (Both Internal & External)

  • Coordinate with IT and operations to implement new frameworks agreed by business and credit
  • Implementation of risk related policies & guidelines across the bank branches with consultation from Business and Credit
  • Engage with branch supervisors/officials to understand the customer and field staff requirements while framing the policies and processes

Internal Process

  • Regular monitoring of the risk outlook and impact on portfolio quality
  • Provide inputs to enhance the Enterprise risk reporting & Monitoring framework
  • Ensure timely and accurate delivery of Enterprise Risk reports
  • Proactively work on the monthly or quarterly regulatory & risk reporting


Innovation & Learning

  • Updating self with laws and regulations related to business
  • Prepare learning material and Train credit and business on credit risk framework
  • 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


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