Chief Risk Management Specialist

24 hours ago

Vizag, Andhra Pradesh, India beBeeRiskManagement Full time ₹ 20,94,400 - ₹ 26,16,000
Job Summary

The Ujjivan Small Finance Bank is seeking a highly skilled and experienced Manager of Enterprise Risk to join their team in Visakhapatnam, India. This role involves conducting research, benchmarking, and analysis to support risk assessments, strategic decision-making, and Board-level reporting.

Duties & Responsibilities
  1. Business/ Financials:
  • 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 with regulatory requirements.
  • Assist in the documentation of the bank's ICAAP/CCAR/SCAP findings.
  1. CUSTOMER:
  • 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 an ongoing basis. Engage with regional leadership teams, branch supervisors/officers to understand field-level insights on customer and field staff and recommend enhancements to various policies and processes.
  1. Innovation & Learning:
  • Update self with laws and regulations related to business.
  • Contribute to content preparation, learning materials 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.

Requirements

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.

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