Job Description

About the Role

We are seeking a motivated and detail-oriented

Risk Manager

with experience in NBFCs or banks. The role requires strong expertise in

risk assessment, credit underwriting, and compliance monitoring

to ensure a healthy loan portfolio.

Key Focus Areas

Risk Assessment:

Identify and evaluate financial, operational, and strategic risks.

Compliance Monitoring:

Ensure adherence to RBI guidelines and internal risk policies.

Reporting:

Prepare risk dashboards and reports for management and compliance teams.

Collaboration:

Work with business and credit teams to align lending with risk strategies.
Roles & Responsibilities

Sanction secured loans, especially

Loan Against Property (LAP)

and other secured products. Evaluate borrower creditworthiness and make independent lending decisions. Analyze financial and banking statements for business loans (LAP, MSME finance, working capital, bill discounting). Develop and enforce credit risk mitigation policies on loan terms, collateral, and interest rates. Collaborate with collections teams to minimize NPAs and manage recoveries. Present risk insights and reports to senior management. Streamline loan approval processes in alignment with risk strategy.
Skills & Experience Required

Education:

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

Technical:

Hands-on experience with LOS, LMS, credit risk models, and data analytics tools.

Regulatory:

Strong knowledge of RBI guidelines and lending regulations.

Soft Skills:

Excellent communication, attention to detail, analytical mindset, ability to work under pressure.
Job Type: Full-time

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