Risk Expert

2 days ago

Mumbai, Maharashtra, India beBeeRiskAnalysis Full time ₹ 15,00,000 - ₹ 17,50,000

Job Title:

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  • We are seeking a Risk Analyst - Two Wheeler Finance to join our team

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Job Description:

As a Risk Analyst - Two Wheeler Finance, you will be responsible for assessing and mitigating credit and operational risks in the two-wheeler loan portfolio. Your role will involve analyzing borrower profiles, developing risk models, identifying early warning signals, and ensuring adherence to credit policies and regulatory guidelines.

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[Credit Risk Assessment-]">
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  • Evaluate creditworthiness of customers using financial data, credit bureau reports, and internal scoring models.">
  • Assess dealer and DSA risk profiles to ensure quality sourcing.">
  • Review high-value and exception-based loan proposals for approval recommendations.">
  • Conduct thorough analysis of financial statements to identify potential risks."]">
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Track and analyze portfolio performance at product, region, and dealer levels.">Identify delinquency trends, early warning signals, and high-risk segments.">Prepare monthly MIS and risk reports for senior management."]">"][

Ensure loan approvals comply with internal credit policy and regulatory norms.">Suggest modifications to credit policy based on market changes and portfolio performance.">Conduct periodic audits of credit files and underwriting processes."]">"][

Develop and maintain risk scoring models for customer segmentation.">Use statistical tools and data analytics to predict default probabilities and optimize approval rates."]">"][

Identify and investigate suspicious transactions or applications.">Liaise with operations, sales, and collections teams for risk mitigation measures."]">"][

Work closely with sales, operations, and collections teams to maintain asset quality.">Provide risk-related insights to help in product design and process improvements."]">"][

Qualifications & Experience-

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  • Bachelor's/Master's degree in Finance, Statistics, Economics, or related field.">
  • 2-5 years of experience in credit risk analysis, preferably in NBFC/banking sector.">
  • Prior exposure to two-wheeler or consumer finance portfolio preferred.">
  • Knowledge of credit bureaus (CIBIL, Equifax, etc.) and financial statement analysis.">
  • Familiarity with RBI/NBFC regulatory guidelines."]">
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Skills & Competencies-

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  • Strong analytical and quantitative skills.">
  • Proficiency in MS Excel, Power BI, SQL (added advantage).">
  • Excellent communication and presentation skills.">
  • Attention to detail and high ethical standards.">
  • Ability to work under pressure and meet deadlines."]">
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Key Performance Indicators (KPIs)-

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  • Portfolio delinquency ratio (PAR, NPA levels).">
  • Accuracy of risk assessment and approval decisions.">
  • Effectiveness of early warning systems.">
  • Timeliness and quality of risk reporting."]">

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