Risk Manager

Job Requirements

Policy/Risk Manager

Primary Responsibilities

• Conduct regular asset quality reviews and provide analytical insights to identify risks and opportunities, recommending appropriate actions.
• Review and update program risk acceptance criteria in response to changes in legal and regulatory requirements, business strategies, market conditions, or portfolio performance.
• Build strong controls to mitigate risks across onboarding, credit, operations, fraud, and reputational domains.
• Monitor portfolio delinquencies at a granular level, identifying high-risk segments, locations, and customer profiles.
• Define and shape product-level risk appetite in alignment with the bank’s overall risk framework and growth objectives, including risk-based pricing strategies.
• Facilitate the implementation of technological interventions such as scorecards, digital journeys, and process automation to enhance efficiency.
• Recommend improvements to processes and policies across Retail Banking to drive operational excellence and superior customer service.
  

• Recommend improvements to risk-related processes and policies to enhance operational efficiency and risk coverage.
• Collaborate with internal stakeholders to ensure cohesive execution of risk strategies.
• Contribute to the development of a risk-aware culture across the organization.
  

• Graduation: Full time graduate in any discipline from a recognised institution.
• Post-graduation: MBA from a recognised institution.
  

Experience

• Minimum of 4years of experience in a banking environment, specifically within risk management within BFSI industry.
  

• Strong understanding of retail banking products and risk frameworks.
• Proven ability to define and implement risk appetite and policy structures.
• Analytical mindset with the ability to interpret complex data and provide actionable insights.
• Experience in managing regulatory compliance and internal controls.
• Effective communication and stakeholder management skills.
• Ability to lead cross-functional initiatives and drive technological enhancements.