Risk Analyst

JOB

The incumbent will be part of the risk team and responsible for Credit Risk & Structuring for Real estate sector such that it aligns with the broader risk appetite and objectives of the group

QUALIFICATION:

MBA from top B-school (full-time) and/or CA preferred

EXPERIENCE:

• 3-5 years of experience across Banks / NBFCs / AIFs in handling Credit Underwriting of real estate sector.
• Understanding of Industry, financial & credit principles.
• Strong understanding of financial modelling and analytical skills.
• Ability to be a self-starter and think strategically to independently handle the credit analysis for the assigned deals / portfolio and highlight the risks in same.
• Maintain healthy relationships with internal stakeholders to achieve team goals.
• Ability to understand/ simplify and present the complex problems.
• Good networking skills across Banks/NBFCs operating in the space.

KEY RESPONSIBILTIES:Credit Risk & Structuring

• Independently evaluate lending opportunities to real estate sector, assigning rating using in-house proprietary model and making a detailed risk note highlighting key risk of the transaction.
• Present independent view on deals to senior management and deal sanctioning committee.
• Monitoring of the portfolio to track Early Warning Signals (EWS) for any possible stress in accounts and updating risk rating, wherever applicable.
• Conduct portfolio analysis and derive at maximum loss potential estimate for the entire portfolio.
• Be updated and informed of relevant regulatory guidelines and taking active participation in framing various internal policies basis the same.
• Derive insights from portfolio analysis and incorporate the same in the underwriting standards for new deals.