About the role
Job Title:
Risk Analyst – Retail Credit Risk
Job Details:
Business Unit: Integrated Risk Management
Team: Retail Credit Risk Management
Reports to: Team Lead – Retail Credit Risk / Vertical Head – Retail Credit Risk
Location: PAN India
Role Type: Individual Contributor
Travel Required: Yes
Job Band Range: E3 / E4
JD Created date: 22/08/2025
JD Updated date: 20-11-25
Job Purpose:
Portfolio Risk Assessment, Monitoring & Governance
Creating and using various assessment and awareness tools including portfolio reviews, product program reviews, framework monitoring etc. to maintain portfolio health.
Job Responsibilities:
Creating and maintaining required data points for facilitating all risk management aspects.
Timely extraction/creation of required portfolio database.
Ensuring data accuracy and validation.
Risk Identification, measurement on time, reporting of risk observations, ensuring governance framework adherence.
Periodic reviews of assigned portfolio across various pertinent risk dimensions.
Conducting reviews as per set guidelines on defined frequency, driving actionable across stakeholders.
Maintaining risk oversight, monitoring KRI`s covered in ICAAP / RAS, and Risk Limits package.
Ensuring adherence to CSPB materiality evaluation and collections performance tracking.
RAS, ICAAP monitoring, with timelines adherence & impact monitoring.
Tracking collection parameters/KRI to monitor risk appetite & cost.
Compliance & audit adherence.
Engaging with compliance & audit teams for relevant discussions and detailing.
Educational Qualifications:
Chartered Accountant
CFA
MBA (Finance)
FRM
Equivalent to above
Key Skills:
Technical skill sets to churn large volumes of data.
Ability to conceptualize, implement, interpret & present credit risk dashboards.
Communication, articulation, and presentation skills.
Proficient operating knowledge of MS Office Suite (Pref. Power BI and Python).
Experience Required:
Minimum Banking/Finance experience: 0-5 years
Major Stakeholders:
Product / Business
RCSC
Retail Portfolio Management (collections)
CIC
Compliance
Internal Audit
Other sub-Units of larger Internal Risk Management Team