Risk Manager

Role & responsibilities

1. Enterprise Risk Management (ERM)

• Implement and strengthen the Enterprise Risk Management framework in line with RBI / NHB guidelines
• Identify, assess, monitor, and report key risks across Credit Risk, Operational Risk, Market Risk, Liquidity Risk, and Compliance Risk
• Develop and maintain Risk Registers, Risk Control Matrix (RCM), and Risk Heat Maps
• Monitor Risk Appetite metrics and escalate breaches
• Present risk dashboards to senior management

2. Early Warning Signals (EWS)

• Develop and monitor Early Warning Signal framework for proactive identification of stress accounts
• Identify potential delinquency triggers using internal and external data
• Coordinate with Credit, Collections, and Business teams for corrective actions
• Track EWS effectiveness and portfolio trends

3. Operational Risk Management

• Identify operational risks across sourcing, credit, operations, and collections processes
• Conduct Risk & Control Self-Assessment (RCSA)
  
• Track operational risk incidents and loss events
• Recommend process improvements and controls
• Ensure compliance with internal policies and regulatory requirements

4. Concurrent Audit and Risk-Based Audit Monitoring

• Manage Concurrent Audit framework across branches and functions
• Identify control gaps and fraud risk areas
• Track audit observations and ensure timely closure
• Strengthen preventive and detective controls

5. Portfolio Hindsight and Risk Analytics

• Conduct Hindsight analysis of delinquent and NPA accounts to identify root causes
• Identify policy, sourcing, geographic, or product-level risk trends
• Provide feedback to Credit Policy and Business teams
• Recommend policy/process improvements based on learnings

6. Risk Reporting & Governance

• Prepare periodic Risk MIS, dashboards, and presentations for senior management

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• Monitor key risk indicators (KRI)
• Support Risk Committee and Board Risk reporting
• Ensure regulatory compliance with RBI/NHB risk management guidelines

Eligibility Criteria

Education:

• MBA Finance / PGDM Finance
• CA / CFA preferred
• PG in Finance / Risk Management preferred

Experience:

• Minimum 5 years of relevant experience in:
• Risk Management
• Operational Risk
• ERM
• Audit / Risk Analytics
• Housing Finance / NBFC / Bank preferred