Job Requirements

Job Title: Senior FI Risk Analyst

Department: Wholesale Banking Risk

Location: Mumbai

Reporting To: Head - FI Risk & Industry Research

Job Purpose:

To manage the Bank's credit portfolio of financial institutions (NBFCs, MFIs, Domestic & Foreign Banks, Brokers, Mutual Funds), including credit appraisal, portfolio monitoring, and risk mitigation. The role requires strong understanding of regulatory frameworks and internal policies.

Key Responsibilities:

Primary Responsibilities:

Conduct credit appraisal for financial institutions in line with organizational policies.
Evaluate and recommend exposure levels, collateral, and guarantees for banking/treasury products.
Review and ensure adherence to rating methodologies and risk classification frameworks.
Manage credit risk across wholesale banking products and transactions.
Engage with clients for risk assessment and transaction execution.
Align business partner expectations with the firm's risk appetite.
Facilitate portfolio reviews and recommend risk mitigation actions.
Identify and escalate emerging risks to relevant stakeholders.
Interact with regulators for credit risk management.
Maintain a healthy portfolio with minimal NPAs.
Monitor portfolio performance, trigger reviews, and control delinquencies.
Share best practices within the team.

Secondary Responsibilities:

Network with peers, rating agencies, and industry participants to stay updated on trends.
Support team with deliverables and ad hoc MIS reports.
Recommend process and policy improvements for operational efficiency.
Collaborate with internal stakeholders to leverage synergies.

Education & Experience:

Education:
Graduate (Any discipline; CA preferred) – Full Time
Postgraduate (Any discipline; MBA preferred) – Full Time
Experience:
5 to 8 years in BFSI sector, specifically in Wholesale Banking Risk
Suitable for Manager, Chief Manager, or AVP level