Risk and Regulatory Compliance Manager

About Company

Established in Mumbai more than three decades ago, the company is a prominent figure in India's financial services sector. It boasts a nationwide presence, operating in over 500 cities. The NBFC and its subsidiaries offer a wide array of products including gold loans, housing loans, microfinance, loans against property and securities, and insurance services.

• Risk Governance and ICAAP.

• Risk Profile Scale-Based Regulations:

• Conduct

  CRAR

  (Capital to Risk-Weighted Assets Ratio) and

  RWA

  (Risk-Weighted Assets) calculations in line with regulatory guidelines.
• Monitor and ensure

  Capital Adequacy

  in compliance with regulatory requirements.

• Risk Assessment:

• Evaluate

  Pillar I

  and

  Pillar II

  risks, including credit, market, and operational risks, ensuring adequate capital buffers.
• Conduct

  Credit Risk Stress Tests

  ,

  Liquidity Risk

  , and

  Interest Rate Risk

  assessments.

• Risk Parameter Calculations:

• Calculate

  Probability of Default (PD)

  ,

  Loss Given Default (LGD)

  , and

  Expected Credit Loss (ECL)

  rates.
• Perform

  Bucket Forecasting

  , particularly around

  Stage 1 – Stage II bucket movement

  , and assess its impact on portfolio health.

• Portfolio Risk Monitoring:

• Perform

  Vintage Curve

  and

  Static Pool Analysis

  to evaluate portfolio risk.
• Provide

  Risk-Based Pricing

  to optimize returns while maintaining risk thresholds.
• Prepare and deliver

  Monthly Portfolio Health and Hygiene Reviews

  to senior leadership, highlighting any breaches and ensuring follow-up actions are implemented.

• Macroeconomic Overview and Policy Formulation:

• Conduct

  Macroeconomic Overview

  and provide key insights for strategic decision-making.
• Contribute to the formulation of internal policies, including those on

  Credit Risk

  , and

  Portfolio Management

  .

• MIS Dashboard Development:

• Develop and manage

  Management Information System (MIS)

  Dashboards for real-time portfolio monitoring.
• Create insightful reports that reflect portfolio risk, performance, and compliance metrics.

• Stress Testing and Early Warning Systems:

• Conduct stress testing for the portfolio based on industry-specific risks and classifications for

  Rural Business Group (RBG)

  .
• Identify and highlight early warning indicators of stress within the portfolio and recommend actions for mitigation.

• Credit Appraisal and Policy Training:

• Prepare and modify

  Credit Appraisal Memos

  for various products including KCC, Rural MSME, and Micro LAP.
• Conduct policy training sessions for

  Sales

  and

  Credit Teams

  , ensuring alignment on internal guidelines and risk management processes.

• Process Optimization:

• Develop

  Scorecard-Based Funding Models

  for improved accuracy and efficiency in the credit process.
• Simplify the

  Excel-Based Credit Appraisal Memo

  process and review/renewal workflows for increased operational efficiency.

• Coordination and Stakeholder Engagement:

• Foster effective coordination among different divisions to enhance strategy development in technical, management, and financial areas.
• Ensure smooth communication and collaboration to implement strategic decisions regarding portfolio risk management.

• Competition Benchmarking:

• Conduct periodic

  Competition Benchmarking

  to identify industry best practices and ensure the company remains competitive in risk management and regulatory compliance.