Job Description

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: Up to ?1,300,000.00 per year

Work Location: In person