Role Summary
Support the Risk Head in managing enterprise-wide risk across credit, market, liquidity, regulatory, and strategic domains for the wholesale lending business, ensuring alignment with regulatory requirements and risk appetite.
Key Responsibilities
1. Credit & Portfolio Risk
- Monitor portfolio quality, delinquency trends, and exposure concentrations
- Review policy deviations and escalate key risks
- Support stress testing and scenario analysis
- Ensure adherence to defined risk appetite
2. Market, Liquidity & ALM Risk
- Track interest rate, liquidity, and funding risks with Treasury
- Support ALCO with risk insights and scenario analysis
- Assess concentration risks (OEMs/dealer networks)
3. Regulatory & Governance
- Track RBI/NBFC regulations and assess business impact
- Maintain compliance tracker and support regulatory submissions
- Assist in policy reviews and governance framework alignment
4. Strategic & Business Risk
- Evaluate risks in new products, geographies, and programs
- Support business continuity and contingency planning
- Contribute to annual risk assessment and planning
- Provide insights on performance vs. risk appetite
5. Data Analytics & Risk Tools
- Develop MIS, dashboards, and risk monitoring tools
- Identify emerging risks through data analysis
- Support automation and digitization initiatives
Skills & Expertise
- Strong knowledge of wholesale/dealer financing and auto sector risks
- Expertise in credit, operational, and enterprise risk management
- Deep understanding of RBI NBFC regulations
- Analytical mindset with experience in risk modeling and tools
- Strong stakeholder communication and strategic thinking
Qualifications & Experience
- MBA/PGDM (Finance/Banking) or Master's in Statistics/related field
- FRM/PRM/CFA/CQF preferred
- 8+ years in NBFC/captive finance/wholesale banking, including 5+ years in risk roles
- Experience in automotive captive finance preferred
- Prior experience in building or transforming risk frameworks is a plus
