Strategic Risk Manager

5 days ago

Vadodara, Gujarat, India beBeeEnterprise Full time ₹ 10,00,000 - ₹ 20,00,000
Job Title: Strategic Risk Manager

The Enterprise Risk Management (ERM) team at a leading financial institution is seeking a highly skilled and motivated individual to join its ranks as a Research Analyst.

This role will involve 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.

Main Responsibilities:
  1. Risk Assessment and Analysis
  • Conduct balance sheet benchmarking of the institution against peers.
  • 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.
  1. Customer Insights
  • 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
  1. Innovation and Professional Development
  • Stay updated 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.

The ideal candidate should have a postgraduate degree in Finance, Economics or related fields (MBA/PGDM, FRM, CFA preferred). A minimum of 3-5 years of relevant experience in research, financial analysis, consulting or enterprise risk is required. Certifications on FRM/PRM are an added plus. Functional skills include 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 and elementary knowledge of Banking operations.

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