Risk Analyst

1. Enterprise Risk Monitoring & Reporting

Assist in implementing and maintaining the Enterprise Risk Management (ERM) framework for the NBFC.

Identify, assess, and track key business risks across departments such as Credit, Treasury, Operations, Collections, Legal, and IT.

Maintain the Risk Register and Risk Control Self-Assessment (RCSA) documents, ensuring periodic updates and validation.

Support the Risk Head in preparing monthly/quarterly risk reports for senior management, Risk Committees, and the Board.

Monitor Key Risk Indicators (KRIs) and escalate breaches or emerging risk trends.

Assist in preparation of Regulatory Documents like ICAAP/ Risk Appetite Statements/ Stress Testing/ Submission of periodic Regulatory Returns.

2. Operational & Process Risk

Review key operational processes (Loan disbursal, dealer funding, collections, reconciliation, etc.) to identify process-level risks and control gaps.

Track and analyze operational loss events, incidents, and near-misses; recommend corrective actions and preventive measures.

Participate in process audits, control testing, and risk reviews with functional owners.

Evaluate risk in outsourced vendor activities, dealer documentation, and third-party arrangements.

3. Credit & Portfolio Risk Oversight

Coordinate with the Credit Policy and Portfolio teams to track portfolio quality trends, delinquency movements, and exposure concentration.

Review exception reports and policy deviations for risk rationale and escalation to the Risk Head.

Support in periodic stress testing and scenario analysis to evaluate portfolio resilience under adverse conditions.

Ensure adherence to the overall risk appetite framework defined for the wholesale lending business.

4. Market, Liquidity & ALM Risk Support

Monitor interest rate movements, liquidity positions, and funding concentration in coordination with Treasury.

Support ALCO (Asset-Liability Committee) through preparation of risk inputs, trend analysis, and scenario impacts.

Evaluate exposure to OEM concentration risk or dependence on specific dealer networks.

5. Regulatory, Compliance & Governance Risk

Track RBI and regulatory circulars applicable to NBFCs; highlight implications to relevant departments.

Maintain the regulatory compliance tracker and support the Risk Head in regulatory submissions or inspections.

Participate in policy reviews (e.g., Risk Management Policy, Credit Policy, Outsourcing Policy) and ensure periodic updates.

Ensure risk governance frameworks are aligned with Board-approved charters and regulatory expectations.

6. Strategic & Business Risk Analysis

Support management in assessing the risk implications of new products, processes, or business expansions (new regions or dealer programs).

Evaluate business continuity and contingency risk, including stress on funding or dealer network disruptions.

Contribute to the Annual Risk Assessment and Planning Exercise, identifying priority risk areas for monitoring.

Provide analytical insights into business performance vs. risk appetite metrics.

7. Data Analytics & Risk Tools

Assist in implementing and maintaining risk monitoring tools, dashboards, and MIS for business risk tracking.

Use data analysis to identify emerging risk patterns, interdependencies, or control failures.

Support automation and digitization initiatives in risk monitoring and control reporting.