Risk Executive

About the Role

We are seeking a motivated and detail-oriented Risk Executive with experience in NBFCs or banks. The role requires strong expertise in risk assessment, credit underwriting, and compliance monitoring to ensure a healthy loan portfolio.

Key Focus Areas

• Risk Assessment: Identify and evaluate financial, operational, and strategic risks.
• Compliance Monitoring: Ensure adherence to RBI guidelines and internal risk policies.
• Reporting: Prepare risk dashboards and reports for management and compliance teams.
• Collaboration: Work with business and credit teams to align lending with risk strategies.

Roles & Responsibilities

• Sanction secured loans, especially Loan Against Property (LAP) and other secured products.
• Evaluate borrower creditworthiness and make independent lending decisions.
• Analyze financial and banking statements for business loans (LAP, MSME finance, working capital, bill discounting).
• Develop and enforce credit risk mitigation policies on loan terms, collateral, and interest rates.
• Collaborate with collections teams to minimize NPAs and manage recoveries.
• Present risk insights and reports to senior management.
• Streamline loan approval processes in alignment with risk strategy.

Skills & Experience Required

• Education: Bachelor’s/Master’s in Finance, Economics, or Business (MBA/CFA/FRM preferred).
• Technical: Hands-on experience with LOS, LMS, credit risk models, and data analytics tools.
• Regulatory: Strong knowledge of RBI guidelines and lending regulations.
• Soft Skills: Excellent communication, attention to detail, analytical mindset, ability to work under pressure.

Job Type: Full-time

Pay: ₹600,000.00 - ₹700,000.00 per year