Risk Executive

2 weeks ago

Mumbai, Maharashtra, India HIRINGHOUSE TECHNOLOGIES PVT LTD Full time ₹ 6,00,000 - ₹ 12,00,000 per year

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.

Job Type: Full-time

Pay: ₹600, ₹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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