10 Risk Appetite Jobs

As a Risk Manager for Consumer Durable in Retail Banking at Mumbai, your role involves facilitating regular asset quality reviews with provision of analytics insights to identify risks/opportunities and recommend relevant actions. You will ensure that program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal/regulatory requirements, business strategies, market environment, or portfolio performance. Your responsibilities also include building strong controls to mitigate risks across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation) and foreseeing portfolio direction, loss estimates, and how to control the same. You will monitor portfolio delinquencies at a micro level, identifying segments, locations, and profiles that are delinquent. Additionally, you should have the ability to shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk-based pricing. Moreover, you will be required to facilitate the implementation of technological interventions like scorecards, digital journeys, and automation to streamline processes. Recommending improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service will also be part of your role. Leveraging in-house synergies through collaboration with internal stakeholders is essential. Your managerial and leadership responsibilities will involve attracting and retaining best-in-class talent for key roles in your reporting structure.,

You will utilize financial statements to independently assess the financial status of medium monetary value customers and determine credit limit recommendations. You will manage accounts of customers with medium credit limits independently, resolve credit-related matters, and present credit recommendations to management. You will initiate dispute resolution procedures with internal organizations counterparts, ensuring thorough issue tracking and resolution for both the organization and the customer. Additionally, you will analyze customers at risk and collaborate with partners to devise effective account strategies for averting delinquencies. You will demonstrate good judgment in selecting creative solutions and managing projects independently, solving difficult and complex problems with a fresh perspective. Leading moderate-to-high-complexity projects, delivering professionally written reports, and supporting the realization of operational and strategic plans will also be within your responsibilities. A four-year or Graduate Degree in Business Administration, Economics, Finance, or any related discipline, or commensurate work experience or demonstrated competence is recommended. Ideally, you should possess 10+ years of work experience, preferably in collection, credit, banking, and at least 5 years of team-leading or team management experience. Your knowledge and skills should include accounting, auditing, credit analysis, credit risk, credit risk management, data analysis, due diligence, economics, finance, financial analysis, financial services, financial statements, loans, marketing, portfolio management, risk analysis, risk appetite, risk management, SQL (Programming Language), and team management. Cross-organizational skills required for this position include effective communication, results orientation, learning agility, digital fluency, and customer centricity. In this role, you will impact multiple teams and may act as a team or project leader, providing direction to team activities and facilitating information validation and team decision-making processes. You will respond to moderately complex issues within established guidelines. Please note that this job description outlines the general nature and level of work performed in this role. It is not exhaustive and may be subject to change with additional functions assigned as needed by management.,

The Risk Lead in the Retail Business Risk department is responsible for creating policies for multiple products and monitoring the sourced portfolio. You will evaluate product programs and policies in accordance with regulatory guidelines, implementing strong controls to mitigate risks across various areas such as onboarding, credit, operations, fraud, and reputation. Monitoring portfolio delinquencies at a detailed level is crucial, requiring identification of delinquent segments, locations, and profiles. Adherence to bank guidelines is a key aspect of the role. Furthermore, you will play a vital role in implementing technological interventions like scorecards, digital journeys, and automation to enhance process efficiency. Shaping the risk appetite of the product aligns with growth objectives and the Risk Appetite framework of the bank, including risk-based pricing. Utilizing analytics to track portfolio performance trends is essential, along with serving as a policy expert and conducting training sessions as needed. In addition, you will prepare a monthly newsletter providing a snapshot of portfolio performance, monthly acquisition trends, portfolio quality, and trigger monitoring. Sharing best-practice knowledge within the team, recommending process and policy improvements, and collaborating with internal stakeholders to leverage synergies are key responsibilities. Staying updated on global market trends and competitor strategies is crucial. Monitoring productivity, hiring quality, and costs through relevant scorecards is part of the role, along with building, grooming, and retaining a talented team to drive process efficiencies. Attracting and retaining top-class talent for key roles within the reporting structure is also a focus area. The ideal candidate for this role should have a graduation and post-graduation degree in any field, along with 7-12 years of experience in a relevant industry.,

As the Head of Risk at our NBFC, your primary responsibility will be to oversee the risk management framework and ensure strong governance in the credit, operational, and regulatory risk areas. Your key responsibilities will include developing and supervising the enterprise-wide risk management framework, establishing the risk appetite aligned with our strategic business objectives, monitoring portfolio performance with the implementation of early warning systems, ensuring adherence to credit risk policies, underwriting guidelines, and scorecards, collaborating with compliance, audit, operations, and technology teams for risk mitigation, presenting regular risk reviews to the Board and Risk Committee, and ensuring compliance with RBI NBFC Master Directions and regulatory updates. The ideal candidate for this position will have a minimum of 7-8 years of experience in risk functions within NBFCs or Banks, a strong grasp of credit underwriting, analytics, stress testing, and regulatory reporting, and preference will be given to candidates with an MBA/CA/CFA/FRM qualification.,

As the Head of Model Risk Management in India, your primary responsibility will be to oversee the MoRM function based in Mumbai. You will be tasked with managing the validation of models, ensuring they align with design objectives and intended purposes. Additionally, you will be responsible for monitoring and overseeing the models to maintain compliance with set appetites and limits, as well as supporting governance activities related to model risk. Your role will also involve defining the people strategy for MoRM in India, including recruitment, retention, and implementation of relevant measures to meet scorecard metrics. You will collaborate with Model Risk Managers and the Global Head of Governance, Control, & Analytics to agree on the Book of Work applicable to MoRM India. Furthermore, you will be accountable for the management and maintenance of operations within MoRM India, including the development and implementation of the Model Risk control framework to ensure internal and regulatory compliance. You will contribute to framework enhancements across the department and oversee the remediation of internal and regulatory findings related to covered models and areas. In addition to your specific responsibilities, you will be expected to comply with applicable laws and regulations, internal rules, and DB Group's risk strategy. You will act as an escalation channel, manage risks, oversee controls, represent the unit to stakeholders, and drive collaboration within and across units. As a leader, you will set a clear direction for the team aligned with the overall business strategy, manage performance systematically, ensure team members have regular career development discussions, and prioritize succession planning and continuous development. You will receive support through training and development opportunities, flexible working arrangements, coaching from experts, and a culture of continuous learning to aid in your career progression. The company promotes a positive, fair, and inclusive work environment where diversity is celebrated and success is shared among the team. For further information about the company and its teams, please visit our company website at https://www.db.com/company/company.htm. We strive for a culture of empowerment, responsibility, commercial thinking, initiative-taking, and collaboration to excel together every day as Deutsche Bank Group.,

Key Accountabilities and Main Responsibilities Strategic Focus Implement risk management frameworks, policies, standards, and procedures tailored to the business in alignment with Group-level policies. Work collaboratively with the business to build and embed a strong risk culture, promoting the Risk as a Mindset approach. Identify, assess, and monitor key operational, financial, and compliance risks within the first line of defence. Conduct risk assessments to evaluate the impact and likelihood of identified risks. Support the business in understanding and adhering to divisional risk appetite and tolerance, enhancing operational resilience across all functions. Provide support and challenge to ensure effective risk controls and frameworks are embedded in the business operations as per Risk and Control Self-Assessment (RSCA). Collaborate with Line 2 Risk & Compliance, ensuring clear ownership of Line 1 responsibilities while maintaining open communication. Operational Management Day-to-day coordination of risk management across the business, ensuring adherence to the three lines of defence model. Lead the incident tracking and management process, ensuring timely escalation and resolution of issues. Ensure compliance with AML/KYC and other regulatory obligations, providing clear reporting and oversight Track and manage risk mitigation efforts, ensuring alignment with business objectives and deadlines. Collaborate with departmental / functional heads on the adequacy of actions to address risks highlighted in internal audit reports and ensure timely completion of risk registers. Identify training needs related to risk management and oversee the development of risk competence and awareness across the division. Participate in project meetings and provide feedback on business requirement documents and other relevant project documentation. Develop and maintain Key Risk Indicators (KRI s) to monitor and report risk exposure. Prepare risk reports and dashboards for senior management, highlighting key risk trends and issues. Support incident management processes, including root cause analysis and lessons learned. People Leadership Work collaboratively with the wide business to uplift risk capabilities across the organization, ensuring that employees at all levels understand their role in risk management. Provide training, coaching, and support to build a proactive risk culture and strengthen the organization s ability to identify, manage, and mitigate risks effectively. Foster a culture of accountability where all employees are encouraged to take ownership of risk management activities. Manage a team of four risk specialists and guide them with risk assessment process and follow MUFG risk framework Participate in a monthly forum to highlight recommendations and implement improvements Drive a coaching culture within the team to identify potential risks and build capability. Experience & Personal Attributes Educational and Professional Qualifications: Bachelor s degree in Business, Finance, Risk Management, or related field. A master s degree is preferred. Relevant certifications such as FRM, PRM, or equivalent. Minimum of 8 years of experience in risk management or operational risk ideally within a line 1 function primarily from GCC. A minimum of three years in Operational/Information/ Technology Risk. Second Line of Defence (SLoD) Risk experience is desirable. In-depth understanding of risk management frameworks, policies, and processes. Proficiency in risk management tools and techniques. Manage a team of four risk specialists and guide them with risk assessment process and follow MUFG risk framework Personal Attributes: Strong analytical, problem-solving and decision-making skills and ability to lead a medium-sized team Ability to analyse, resolve and document problems and resolutions. High attention to detail and ability to manage multiple tasks and priorities. Ability to work as part of a cross-cultural team. Strong organization and time management skills Continuous improvement focus, with the ability to identify risks, cost efficiencies, and operational improvements. Excellent presentation, communication and interpersonal skills to influence stakeholders and drive risk awareness Ability to work independently and take ownership of risk management activities. Strong stakeholder management and ability to build effective relationships across business lines. Self-driven and motivated with a focus on operational efficiency and continuous improvement Experience and ability to effectively communicate and interact with colleagues at all levels in the company, Internal Audit as well as regulators. Must be a self-starter, detail-oriented and extremely organized.

As a fresher joining our team, your primary responsibilities will include client acquisitions, conducting meetings, and ensuring timely follow-ups. It will be crucial for you to learn and understand clients" financial goals, risk appetite, and investment preferences to provide them with suitable investment options. You will also be supporting in explaining mutual fund products, their features, and regulatory disclosures to clients. Additionally, you will assist clients with account opening formalities, documentation, and basic servicing needs. Coordination with operations, compliance, and product teams to resolve client queries will be an essential part of your role. You will have the opportunity to shadow client calls and meetings to learn effective prospecting and relationship-building techniques. Identifying cross-selling opportunities and supporting relevant initiatives will also be among your responsibilities. Maintaining accurate records of interactions, leads, and service requests as per internal protocols will be expected. It will be essential for you to stay updated on mutual fund products, industry trends, and regulatory guidelines through regular training sessions. During your training period, the focus areas will include basics of mutual funds and financial planning, client communication and soft skills development, client and AP acquisition strategies, compliance and KYC documentation procedures, CRM and sales reporting tools utilization, as well as SEBI mutual fund regulations and distributor ethics. This is a full-time, permanent position with a work schedule from Monday to Friday and availability on weekends may be required. The work location will be in-person to ensure effective collaboration and communication within the team.,

Key Responsibilities: Manage Policy & Portfolio for Loan Against Properties (LAP) / Home Loans. Should have prior experience Prime Home Loan OR Prime LAP Formulation & implementation of credit policy framework for Housing Loan product within regulatory guidance & risk appetite of the bank. Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. Ensuring process & underwriting efficiencies through tech initiatives/digitalization. Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. Support system changes to improve quality of data and ease of processes. Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews.

As the Director, Head of CALM India, you will play a crucial role in leading the Treasury Capital and Leverage Management (CALM) team based in India. Your primary responsibilities will include overseeing the CALM team in India and managing the production of capital forecasting and analytics. You will work closely with the Head of CALM's management team to ensure connectivity across regions and report to the Head of Capital Planning and Stress Testing. Additionally, you will be an essential part of the India Treasury Leadership, contributing to the growth and development initiatives for the wider India Treasury team. Your specific responsibilities will involve managing the CALM India team, including line management of members involved in capital regulation, subsidiary management, ICAAP, and ILAAP teams. You will be responsible for producing and analyzing capital plans, regulatory reporting, internal reporting, back-testing of plans, variance analysis, and monitoring key metrics. Your role will focus on optimizing the bank's capital structure to support growth objectives, manage risk exposure, and comply with regulatory requirements. You will develop and implement strategies to manage the bank's capital position, allocate capital to business units based on risk-adjusted returns, and provide regular reports on capital allocation decisions and stress testing results. As a Director, you are expected to manage business functions, provide strategic input, influence policies and procedures, and lead critical strategic projects. You will lead a team or sub-function, embed a performance culture, guide less experienced specialists, and provide expert advice to senior management and committees. You will be responsible for resourcing, budgeting, policy creation, compliance, and monitoring external market developments. Your role will involve making significant decisions, negotiating with stakeholders, acting as a spokesperson for the function and business division, and demonstrating strong leadership behaviours. All senior leaders, including you, are expected to exhibit leadership behaviours such as listening, inspiring, aligning, and developing others. You are also expected to uphold Barclays Values of Respect, Integrity, Service, Excellence, and Stewardship, along with the Barclays Mindset of Empower, Challenge, and Drive.,

Role & responsibilities: Develop, implement, and maintain the enterprise-wide Risk Governance Framework aligned with regulatory and business needs Ensure regulatory compliance with NHB, RBI, and other applicable risk-related requirements Facilitate Risk Appetite Framework implementation and alignment with business strategy Promote risk awareness and a culture of accountability across the organization through training and communication Coordinate the periodic review and update of risk policies and procedures across all risk types Act as liaison for internal and external audits, inspections, and regulatory queries related to risk governance Preferred candidate profile: Exposure to affordable housing finance or retail lending in low-income segments Certification in risk or governance frameworks (e.g., FRM, IRM, GRC) Familiarity with enterprise GRC tools or risk documentation systems Eligibility 7+ years of experience in risk governance, enterprise risk management, compliance, or audit roles in lending/financial services Strong understanding of risk policies, governance frameworks, and regulatory guidelines (especially NHB/RBI) Excellent organizational and documentation skills, with an eye for detail Proficient in preparing management-level presentations, committee packs, and risk reports Strong interpersonal and stakeholder management skills