Senior Risk Management Specialist

8 hours ago


Lucknow, Uttar Pradesh, India beBeeRiskManagement Full time ₹ 50,00,000 - ₹ 75,00,000
**Job Title:** Senior Risk Management Specialist
The Enterprise Risk Manager will conduct in-depth research, benchmarking and analysis to support risk assessments, strategic decision-making and Board-level reporting. The role involves working closely with the risk leadership team to provide insights into financial, sectoral and macroeconomic factors that influence the Bank's Enterprise risk posture.
**Key Responsibilities:
  • Conduct balance sheet benchmarking of the Bank against peers (SFBs, Universal banks, peer NBFCs)
  • 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.
  • 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


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