Risk Executive (NBFC)

Business need

Key Focus Area

Risk Assessment:

Reporting:

Compliance Monitoring:

Stakeholder Collaboration:

Roles And Responsibilities

• He/she should have the authority to sanction secured loans, particularly Loan
• Against Property (LAP) and other secured products.
• Must have a thorough understanding of the end-to-end loan process for business loans, including LAP, MSME finance, working capital loans, and bill discounting.
• Should be capable of evaluating borrower creditworthiness and making independent
• lending decisions on secured products.
• Must be well-versed in financial and banking statement analysis relevant to business loans.
• Should be able to formulate and enforce credit risk mitigation policies regarding loan terms, interest rates, and collateral requirements.
• Collaborate with collections teams to manage recoveries and minimize NPA risks.
• Prepare and present risk reports and insights to senior management on a regular basis.
• Work closely with credit teams to streamline loan approval processes and align them with risk strategy.
  

Skills And Experience

Education: Bachelor's/Master’s in Finance, Economics, or Business (MBA/CFA/FRM preferred).

Tech Skills: Hands-on experience with LOS, LMS, credit risk models & data analytics tools.

Regulatory Knowledge: Strong understanding of RBI guidelines & lending regulations.

Soft Skills: Excellent communication, detail- oriented, and ability to work under pressure.

Interview Process- 2 Rounds Virtual

1 Round-could be Virtual/F2F