Risk Analyst
3 days ago
Role Objective:
To support the company's risk management framework by identifying, assessing, and monitoring credit, operational, and portfolio risks, ensuring effective controls and compliance with internal policies and regulatory guidelines.
Key Responsibilities:
Credit Risk Analysis:
Evaluate borrower profiles, financial documents, income surrogates, and repayment capacity for affordable housing customers.
Identify early warning signals and analyze trends in portfolio performance.
Support credit policy formulation and periodic review of underwriting norms.
Portfolio Risk Management:
Track and analyze portfolio delinquency, NPA trends, and segment-level risks.
Prepare MIS reports, risk dashboards, and exception summaries for management.
Monitor geographic and product-level exposures to ensure portfolio diversification.
Operational Risk:
Identify and assess process-level risks across branches and functions.
Recommend control measures to mitigate identified operational risks.
Conduct periodic risk audits and follow-up for closure of findings.
Regulatory & Compliance:
Ensure adherence to RBI & NHB guidelines related to risk management.
Support internal audit and compliance reviews.
Participate in stress testing and scenario analysis exercises.
Cross-Functional Support:
Work closely with Credit, Collections, and Business teams to strengthen overall risk culture.
Provide data insights and analytical support for strategic decision-making.
Key Skills & Competencies:
Strong analytical and quantitative skills.
Understanding of housing finance, affordable housing, and informal income assessment.
Proficiency in Excel, data analysis, and MIS reporting.
Eye for detail and risk-oriented mindset.
Good communication and presentation skills.
Qualification & Experience:
Graduate / Postgraduate
3–6 years of experience in risk management / credit risk / portfolio analysis within housing finance or NBFC sector.
Exposure to affordable housing finance will be preferred.
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