Lead-Institutional Risk

1. Credit Appraisal & Underwriting (NBFC / Institutional Borrowers)

• Conduct comprehensive credit assessment of NBFCs, HFCs, MFIs, Fintech lenders, and wholesale borrowers.
• Analyze borrower business models, governance structure, lending products, underwriting processes, sourcing channels, and risk controls.
• Perform detailed financial analysis including:
• Balance sheet strength, leverage, ALM, liquidity profile
• Portfolio quality (GNPA, NNPA, PCR, stage‑wise assets etc.)
• Profitability, capital adequacy, and borrowing profile
• Evaluate co‑lending / on‑lending structures cash flow waterfalls, security cover, and legal enforceability.

2. Risk Assessment & Structuring

• Assess credit, concentration, liquidity, operational, and governance risks of NBFC counterparties.
• Structure transactions including:
• On‑lending lines
• Structured credit (as applicable)
• Co-lending/BC
• Recommend risk mitigants such as covenants, triggers, collateral, guarantees.

3. Credit Policy & Governance

• Ensure alignment with internal wholesale credit policies and RBI regulatory requirements.
• Contribute to formulation and periodic review of:
• NBFC counterparty eligibility norms
• Exposure limits and sectoral caps
• Rating‑based pricing and risk grading frameworks
• Prepare and present credit proposals to Credit Committee / Risk Committee as applicable

4. Portfolio Monitoring & Surveillance

• Monitor NBFC borrower performance on an ongoing basis:
• Portfolio trends, delinquencies, write‑offs, recoveries
• Covenant compliance and early warning indicators (EWS)
• Conduct periodic credit reviews, renewal assessments, and stress scenarios.
• Track sectoral risk, regulatory developments, and macro trends impacting NBFC borrowers.

5. Regulatory, Audit & Compliance

• Ensure compliance with RBI guidelines for:
• NBFC funding / exposure norms
• Concentration and connected lending rules
• Scale‑Based Regulations (SBR), where applicable
• Support internal, concurrent, statutory, and regulatory audits.
• Implement audit recommendations and corrective action plans (CAP).

6. Stakeholder & Relationship Management

• Partner with business, treasury, legal, compliance, and operations teams to structure viable deals.
• Engage with senior management of NBFC borrowers for due diligence and reviews.
• Act as an independent risk advisor while supporting healthy portfolio growth.

7. Team Leadership & Capability Building

• Lead and mentor credit analysts and business managers in wholesale credit underwriting.
• Build expertise in NBFC risk, structured lending, and portfolio surveillance.
• Drive standardization, documentation quality, and turnaround time (TAT) improvements.