
Risk Professional
20 hours ago
The goal of this role is to conduct research, analysis and benchmarking to support risk assessments and strategic decision making.
Key Responsibilities- Conduct balance sheet analysis and interpret trends in capital adequacy, NIM, cost-to-income, credit costs, GNPA/NNPA, RoA, RoE etc.
- Track and analyze peer disclosures, investor presentations, call transcripts and 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 analyze macroeconomic developments (GDP, inflation, interest rates, liquidity, credit growth etc.)
- Implement Risk Based Pricing in compliance with regulatory requirements.
- Document the Bank's ICAAP/CCAR/SCAP findings.
- 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 engage with SBUs to ensure implementation of corrective measures.
- 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 and 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.
- Postgraduate 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 analysis of bank wide risk metrics.
- Conceptual thinking ability to interpret business models, balance sheet, peer bank performance, financial soundness and inherent risks.
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