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Job Description
KEY RESPONSIBILITIES
- Analyse portfolio performance across product and geography levels to identify emerging risk trends and their root causes; provide actionable recommendations to Sales, Credit and Collections teams.
- Conduct monthly portfolio reviews with senior management, highlighting performance trends, emerging risks and areas of concern, and recommending corrective actions to strengthen portfolio quality.
- Support the computation and analysis of Expected Credit Loss (ECL) under Ind AS 109, including PD, LGD and EAD estimation, stage classification, and analysis of drivers of movement in provisions.
- Monitor Risk Appetite Framework (RAF) metrics against approved thresholds, analyse breaches and their causes, and support periodic review and recalibration of thresholds.
- Contribute to the annual ICAAP exercise, including capital adequacy assessment, stress testing and scenario analysis.
- Develop insight-led risk dashboards, MIS reports and presentations for senior management, the Risk Management Committee, the Board and investors.
- Provide analytical inputs to regulatory and annual disclosures, including RBI/NHB returns and inspections, the Board Report and MD&A.
- Ensure the accuracy and integrity of MIS and Power BI dashboards through regular review, reconciliation and validation.
QUALIFICATIONS & EXPERIENCE
- Graduate or postgraduate in Finance, Commerce, Economics, Statistics, Mathematics, Engineering or a related discipline; MBA (Finance), CA or FRM preferred.
- 2-3 years of experience in credit risk analytics, portfolio risk management or risk reporting at an HFC, NBFC or bank.
- Prior hands-on exposure to ECL, ICAAP or Risk Appetite Framework work will be a strong advantage.
DESIRED SKILLS
- Working knowledge of ECL methodology under Ind AS 109, including PD, LGD, EAD and staging concepts.
- Basic understanding of ICAAP, stress testing, the Risk Appetite Framework and RBI/NHB guidelines for HFCs and NBFCs.
- Proficiency in MS Excel, PowerPoint, SQL and Power BI; Python or R for statistical analysis is an added advantage.
- Strong analytical, problem-solving and communication skills, with the ability to move from data to root cause to recommendation.
- Ability to collaborate with cross-functional teams and manage multiple priorities effectively.
Skills
CreditManagementFinanceRiskIcaapRisk ManagementNBFCFrameworkCredit RiskCapital Adequacy AssessmentCredit Risk AnalyticsCaIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
About Company
Vastu Housing Finance Corporation Ltd ( VHFC ) is a Public Limited Company registered with National Housing Bank (NHB ) as a Housing Finance corporation. The Company was incorporated on February 04, 2005 under the provisions of Companies Act 1956. If you are self-employed, and without comprehensive documented income or adequate credit history, getting a home loan can prove to be a huge challenge in India. This is because traditional lenders, in the current eco-system, find it difficult to ‘fit’ your case into their income assessment methods. Consequently, potential home buyers like you end up borrowing from informal lenders or sometimes abandon the dream of owning a home, despite your need or indeed the basic ability to service the loan. Vastu Housing Finance is addressing this gap by using a combination of technology and the traditional distribution model to provide simple, easy and flexible loans, and through its unique ability to acquire and underwrite large volumes of such loans, serve this under-served community.
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