Risk Associate

Duties and Responsibilities

• Credit Risk Support
• Assist in monitoring retail and wholesale loan portfolio performance.
• Analyse delinquency trends and portfolio movements.
• Support monitoring of portfolio concentration by geography, product, dealer, and customer segment.
• Assist in maintaining risk dashboards.
• Portfolio Analytics
• Prepare reports on: Portfolio growth, Vintage analysis, Roll Rate analysis, Collection performance, Recovery trends
• Validate portfolio data received from Business and Operations.
• Early Warning Signal (EWS)
• Assist in monitoring Early Warning Indicators.
• Track trigger breaches.
• Coordinate with Business, Credit, Collections, and Operations teams for required data.
• Enterprise Risk Support
• Maintain Enterprise Risk Register.
• Assist in enterprise-wide risk assessment exercises.
• Record identified risks and mitigation plans.
• Operational Risk
• Assist in maintaining: Incident Register, Loss Event Database, Key Risk Indicators (KRIs)
• Risk & Control Self-Assessment (RCSA) documentation
• Track closure of operational risk action items.
• Regulatory & Governance Support
• Assist in preparation of presentations for: Board Risk Committee , Management Risk Committee, Internal Management Reviews
• Maintain repository of approved policies and risk documents.
• Policy & Documentation
• Support preparation and periodic review of: Risk Management Policy, Risk Appetite Framework, SOPs, Risk Manuals
• Reporting
• Prepare periodic reports including: Daily Portfolio Report, Weekly Risk Dashboard, Monthly Risk MIS, Delinquency Report, Collection Trend Analysis, Portfolio Quality Report

Knowledge and Skills

• In-depth understanding of dealer financing, wholesale credit structures, and auto market risks
• Expertise in credit risk, operational risk, enterprise risk, and regulatory compliance
• Strong grasp of RBI's NBFC regulatory environment including fair practices, capital adequacy, and risk-based supervision
• Strategic thinking, board-level communication, and leadership presence
• Familiarity with risk modeling, early warning systems, and technology-based risk tools

Education and Experience

• MBA/PGDM in Finance or Economics , or related fields from a reputed institute
• Automotive Captive Finance or OEM Leadership Sales Experience (Captive finance experience preferred)
• 4+ years' experience in Leadership roles in NBFC, captive finance, or wholesale banking,
• Prior experience in the risk framework in a NBFC is a strong advantage.

Skills Required
early warning systems , risk modeling , Regulatory Compliance, Credit Risk, Operational Risk, Enterprise Risk