Senior Risk Management Professional

12 hours ago

Rajahmundry, Andhra Pradesh, India beBeeEnterpriseRisk Full time ₹ 7,20,000 - ₹ 16,20,000
Enterprise Risk Specialist

The Ujjivan Small Finance Bank is seeking a highly skilled and experienced Enterprise Risk Manager to join its Risk Management Department. The successful candidate will be responsible for conducting in-depth research, benchmarking, and analysis to support risk assessments, strategic decision-making, and Board-level reporting.

Key Responsibilities:
  • Conduct balance sheet benchmarking of the Bank against peers (SFBs, Universal banks, peer NBFCs) to identify areas of improvement and optimize risk management strategies.
  • Perform ratio analysis & interpret trends/insights on capital adequacy, NIM, cost-to-income, credit costs, GNPA/NNPA, RoA, RoE etc. to provide actionable recommendations to senior management.
  • Track and interpret peer disclosures, investor presentations, call transcripts & annual reports for risk and performance insights to inform business decisions.
  • Research and review business models of peers across retail, MSME, Microfinance, Housing and other segments to identify best practices and potential risks.
  • 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.) to identify potential risks and opportunities for the Bank.
  • Monitor various pricing strategies adopted in various credit products and implement Risk Based Pricing in compliance to Regulatory requirements.
Customer Focus:
  • 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:
  • Update 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.

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