Financial Risk Analyst

Key Responsibilities:

1. Risk Assessment & Analysis:

- Analyze credit, market, liquidity, and operational risks across portfolios.

- Evaluate borrower financials, including cash flows, balance sheets, and repayment capacity.

- Conduct stress testing, scenario analysis, and sensitivity analysis.

- Monitor portfolio performance and identify early warning signals (EWS).

2. Credit & Portfolio Risk:

- Support credit appraisal processes and risk grading models.

- Track NPAs, SMA accounts, exposure limits, and concentration risks.

- Review and recommend risk mitigation strategies.

3. Market & Treasury Risk:

- Monitor Value at Risk (VaR), duration, and yield curve movements.

- Assist treasury teams with hedging strategies and risk reporting.

4. Regulatory & Compliance:

- Ensure compliance with RBI guidelines, NBFC regulations, and internal risk policies.

- Assist in ICAAP, ALM reporting, and regulatory submissions.

- Support internal and external audits related to risk management.

5. Reporting & MIS:

- Prepare periodic risk dashboards, MIS reports, and management presentations.

- Present key risk insights to senior management and risk committees.

- Automate reports using Excel, Power BI, or other analytics tools.

Required Qualifications:

Education:

- MBA (Finance) / CA / CFA / FRM

- Master's degree in Finance, Economics, or Risk Management

Experience:

- 1-3 years of experience in risk analytics, credit risk, or financial risk

- Prior experience in NBFC, Banking, FinTech, or Financial Services preferred

Key Skills & Competencies:

- Strong understanding of financial statements and credit analysis

- Knowledge of risk models, Basel norms, and RBI regulations

- Advanced proficiency in MS Excel; working knowledge of Power BI and SQL preferred

- Strong analytical thinking and attention to detail

- Effective communication and stakeholder management skills