Strategic Enterprise Risk Manager

Seeking a highly skilled and experienced Enterprise Risk Strategist to play a pivotal role in identifying, assessing, and mitigating potential risks that may impact our business.

• This position involves conducting thorough research, benchmarking, and analysis to support risk assessments, strategic decision-making, and Board-level reporting.
• You will collaborate closely with the risk leadership team to provide insights into financial, sectoral, and macroeconomic factors that influence our Enterprise risk posture.

1. Business/ Financials
2. • Conduct balance sheet benchmarking of our organization against peers to identify areas for improvement.
   • 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.
3. Customer
4. • 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.
5. Innovation & Learning
6. • Updating 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.

• Educational Qualifications
• • Postgraduate in Finance, Economics, or related fields (MBA/PGDM, FRM, CFA preferred)
• Experience
• • 3-5 years of relevant experience in research, financial analysis, consulting or enterprise risk.
• Certifications
• • Certifications on FRM/PRM is an added plus.
• Functional Skills
• • 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.
  • Elementary knowledge of Banking operations.