Strategic Risk Analyst Position

3 days ago

Bellary, Karnataka, India beBeeRiskManagement Full time ₹ 15,46,409 - ₹ 20,41,170
Job Title: Strategic Risk Analyst

Role Overview:

We are seeking a highly skilled and experienced risk analyst to join our Enterprise Risk Management (ERM) unit. The role involves conducting in-depth research, benchmarking, and analysis to support risk assessments, strategic decision-making, and Board-level reporting.

Main Responsibilities:
  • Conduct balance sheet benchmarking of banks against peers, including systemically important financial institutions, universal banks, and peer non-banking financial companies.
  • Perform ratio analysis and interpret trends on capital adequacy, net interest margin, cost-to-income, credit costs, gross non-performing assets/net non-performing assets, return on assets, return on equity, etc.
  • Track and interpret peer disclosures, investor presentations, call transcripts, and annual reports for risk and performance insights.
  • Research and review business models of peers across retail, micro, small and medium enterprises, microfinance, housing, and other segments.
  • Prepare structured notes on emerging sector risks, competitive strategies, and market positioning, delivering insights on yields, risk-adjusted returns, portfolio vulnerabilities, key risk drivers, etc.
  • Track and interpret macroeconomic developments, including GDP, inflation, interest rates, liquidity, credit growth, etc.
  • Monitor various pricing strategies adopted in credit products and implement risk-based pricing in compliance with regulatory requirements.
  • Assist in documenting the bank's ICAAP/CCAR/SCAP findings.
  • Prepare sectoral risk outlooks for housing finance, micro, small and medium enterprises, microfinance, gold loans, vehicle loans, including early warning signals from global and domestic economic trends.
  • Prepare and publish integrated risk scores for key sectors and engage with stakeholders to ensure implementation of corrective measures by the first line.
  • Contribute to risk posture reports, Board-level dashboards, and other reporting aspects on risk management at various committees/forums.
  • Conduct State Level Risk Connect (SLRC) meetings on an ongoing basis, engaging with regional leadership teams, branch supervisors/officers to understand field-level insights on customers and field staff, and recommend enhancements to policies and processes.
  • Update knowledge on laws and regulations related to banking operations.
  • Contribute to content preparation and learning materials for risk-related training programs.
  • Pursue relevant courses for cross-learning and prepare for growth opportunities.
  • Visit branches to stay updated on banking operations and area-related issues.
Requirements:
  • Postgraduate degree in finance, economics, or related fields (MBA/PGDM, FRM, CFA preferred).
  • 3-5 years of relevant experience in research, financial analysis, consulting, or enterprise risk.
  • Certifications on FRM/PRM are an added plus.
  • Understanding of data required for bank-wide risk metrics analysis.
  • Conceptual thinking ability to interpret business models, balance sheets, peer bank performance, financial soundness, and inherent risks.
  • Elementary knowledge of banking operations.

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