Risk Analyst - Retail Asset Portfolio - NBFC

The person will be responsible for analyzing the Retail portfolio (including Housing loans and Personal/ consumer loans), reviewing and approving Credit policies (across Partnerships) and its modifications.

Responsibilities :

- Review of the policy/ process laid out by the Central team. Approval of new policies and modifications of existing policies

- Sharp focus on portfolio analysis to monitor portfolio performance and risks emanating from same. Highlighting the same to top management

- Close monitoring on non-starters/first EMI bounce trends

- Suggest improvements in underwriting policies/ capability based on portfolio performance

- Pointing out on the opportunities and issues and suggesting corrective action to the stakeholders

- Deliver best practices across all the domains with specific focus on risk management

- Aid conduct of audits (internal/statutory etc) and help closure of points to satisfaction without any adverse comments

- Tracks the market/ product dynamics and industry practices

- Trigger monitoring and control - Coordinating with analytics team for preparation/improvement in various management dashboard/ Analysis/ development of score card

Skills :

- Financial Skills required for Portfolio Analysis

- Behavioral Skill - Customer Centricity

- Process Efficiency : Adhering to the credit policy

- Product knowledge

EXPERIENCE :

- Knowledge of products, policies and trends in retail lending including competition knowledge for relevant products

- Ability to work under tight deadlines and to prioritize conflicting and changing priorities

- Keen understanding and focus on risk, controls, compliance and regulatory framework

- Ability to liaise with internal stakeholders and teams

- Strong management of stakeholder expectations

- Strong analytical & communication skills (written & verbal)

QUALIFICATION:

- Preferably CA/ ICWA/ MBA Finance / PG - Commerce)

- 6-10 years of relevant experience in Credit underwriting/ Portfolio level analysis of Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME)

- Deep experience & understanding of retail financial services across NBFCs, banking

KEY STAKEHOLDERS: INTERNAL Credit & and Credit Policy team, Compliance team, Collections team, BIU team

KEY STAKEHOLDERS: EXTERNAL Internal auditors, Credit Bureaus

REPORTING STRUCTURE: Reporting to Risk Head