Risk Executive

1 week ago

Mumbai Maharashtra, India HIRINGHOUSE TECHNOLOGIES PVT LTD Full time

**Key Focus Area**

**Risk Assessment**: Identify and evaluate financial, operational, and strategic risks

**Reporting**: Prepare risk reports and dashboards for management and compliance.

**Compliance Monitoring**:Ensure adherence to regulatory and internal risk policies.

**Stakeholder Collaboration**: Work with business units to understand and manage risks.

**Roles and responsibilities**
- He/she should have the authority to sanction secured loans, particularly Loan
- Against Property (LAP) and other secured products.
- Must have a thorough understanding of the end-to-end loan process for business loans, including LAP, MSME finance, working capital loans, and bill discounting.
- Should be capable of evaluating borrower creditworthiness and making independent
- lending decisions on secured products.
- Must be well-versed in financial and banking statement analysis relevant to business loans.
- Should be able to formulate and enforce credit risk mitigation policies regarding loan terms, interest rates, and collateral requirements.
- Collaborate with collections teams to manage recoveries and minimize NPA risks.
- Prepare and present risk reports and insights to senior management on a regular basis.
- Work closely with credit teams to streamline loan approval processes and align them with risk strategy.

**Skills and experience**

**Education: Bachelor's/Master’s in Finance, Economics, or Business (MBA/CFA/FRM preferred).**

**Tech Skills: Hands-on experience with LOS, LMS, credit risk models & data analytics tools.**

**Regulatory Knowledge: Strong understanding of RBI guidelines & lending regulations.**

**Soft Skills: Excellent communication, detail
- oriented, and ability to work under pressure.**

Pay: ₹600,000.00 - ₹800,000.00 per year

Application Question(s):

- understanding of RBI guidelines & lending regulations ?
- Year of experience with LOS, LMS, credit risk models & data analytics tools ?
- What additional checks are required in the file before approval? ( Please Explain)

Work Location: In person

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