Team Member-risk-consumer Durables-risk

10 hours ago


Nashik Maharashtra, India Kotak Mahindra Full time

**Job Description**:
**Job Title: Risk Analyst and Policy Manager**

**Level: M3/M4**

**Department: Risk, BL & Working capital**

**Location: Head Office BKC Mumbai
- Job Role

Risk Policy & Analytics Manager - BL & Working capital
- Job Responsibilities- Understanding of Unsecured SME Business (Business loans) with ability to create program, automation/parameterization using digitized data from diff sources
- Credit Risk Analytics - Analyze and derive insights from the reported data for sharing with Risk, Credit and Business teams

Ensure reliability, integrity and consistency of reported and underlying data
- Conceptualizing & formulating risk strategies & policies for BL and preferably for working capital
- Portfolio Risk Management exposure of Business loans
- Ability to support building score cards with Analytics teams
- Designing and implementation of Business rule engine enabling real time decisions
- Data Analysis and Credit Policy Implementation
- Credit Risk Reporting - Preparing and submitting reports to the regulator and / or senior management on a periodic and adhoc basis
- Data Management - Ability to work with (gather, consolidate, prepare, summarize) large data sets on a routine basis with an eye for detail and flair for numbers

**JOB REQUIREMENTS**

**Skills/Knowledge prerequisites
For fresh CA:

- SaS/SQL/R/Tabeleau skillset preferred for portfolio analysis including score card validations, multivariate portfolio & customer segmentation,
- Above average to Advanced excel skills

Understanding of financials, ratios, cash flows
- Experience in projects involving automation / data consolidation in the areas of risk or financial reporting would be an advantage
- Educational Qualifications- CA (including Fresh)/MBA or Statistics / Econometrics background- Experience ProfileFor Fresh CA - not required

For others:
3 and 7 years of experience in a Bank/leading NBFC /Fintech in the areas of unsecured SME Risk analytics, credit monitoring, risk reporting
- Personality TraitsMust have high levels of analytical skills and strong communication skills.

Able to work with cross functional teams on various projects/risk related deliveries



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