Business Risk Manager

As a Manager in the Enterprise Risk Department at our organization, your key responsibility will be to conduct in-depth research, benchmarking, and analysis to support risk assessments, strategic decision-making, and Board-level reporting. You will collaborate closely with the risk leadership team to provide insights into financial, sectoral, and macroeconomic factors influencing the Bank's Enterprise risk posture. Key Responsibilities: - Conduct balance sheet benchmarking of the Bank against peers including SFBs, Universal banks, and peer NBFCs. - Perform ratio analysis and interpret trends on capital adequacy, NIM, cost-to-income, credit costs, GNPA/NNPA, RoA, RoE, etc. - Track and interpret peer disclosures, investor presentations, call transcripts, and annual reports for risk and performance insights. - Research and review business models of peers across retail, MSME, Microfinance, Housing, and other segments. - Prepare structured notes on emerging sector risks, competitive strategies, market positioning, and deliver insights on yields, risk-adjusted returns, portfolio vulnerabilities, key risk drivers, etc. - Monitor macroeconomic developments such as GDP, inflation, interest rates, liquidity, credit growth, etc. - Assist in the documentation of the Bank's ICAAP/CCAR/SCAP findings. - Prepare sectoral risk outlooks for housing finance, MSME, Microfinance, gold loans, and vehicle loans including early warning signals from global and domestic economic trends. - Prepare and publish integrated risk scores for key SBUs and engage with SBUs to ensure implementation of corrective measures. - Contribute to risk posture reports, Board-level dashboards, and other reporting aspects on risk management at various committees/forums. - Conduct State Level Risk Connect (SLRC) meetings regularly and engage with regional leadership team, branch supervisors/officials to understand field-level insights on customers and recommend enhancements to various policies and processes. - Update yourself with laws and regulations related to business and contribute to content preparation and learning material for various risk-related training programs. - Pursue Relevant Courses for cross-learning and growth opportunities. - Visit Field/Branch to stay updated and keep abreast of Banking Operations and area-related issues. Qualifications Required: - Bachelor's degree in Finance, Economics, Business Administration, or related field. - Strong analytical skills with the ability to interpret financial data. - Excellent communication and presentation skills. - Knowledge of risk management principles and practices. - Ability to work collaboratively in a team environment. - Willingness to continuously learn and adapt to new challenges in the banking industry. As a Manager in the Enterprise Risk Department at our organization, your key responsibility will be to conduct in-depth research, benchmarking, and analysis to support risk assessments, strategic decision-making, and Board-level reporting. You will collaborate closely with the risk leadership team to provide insights into financial, sectoral, and macroeconomic factors influencing the Bank's Enterprise risk posture. Key Responsibilities: - Conduct balance sheet benchmarking of the Bank against peers including SFBs, Universal banks, and peer NBFCs. - Perform ratio analysis and interpret trends on capital adequacy, NIM, cost-to-income, credit costs, GNPA/NNPA, RoA, RoE, etc. - Track and interpret peer disclosures, investor presentations, call transcripts, and annual reports for risk and performance insights. - Research and review business models of peers across retail, MSME, Microfinance, Housing, and other segments. - Prepare structured notes on emerging sector risks, competitive strategies, market positioning, and deliver insights on yields, risk-adjusted returns, portfolio vulnerabilities, key risk drivers, etc. - Monitor macroeconomic developments such as GDP, inflation, interest rates, liquidity, credit growth, etc. - Assist in the documentation of the Bank's ICAAP/CCAR/SCAP findings. - Prepare sectoral risk outlooks for housing finance, MSME, Microfinance, gold loans, and vehicle loans including early warning signals from global and domestic economic trends. - Prepare and publish integrated risk scores for key SBUs and engage with SBUs to ensure implementation of corrective measures. - Contribute to risk posture reports, Board-level dashboards, and other reporting aspects on risk management at various committees/forums. - Conduct State Level Risk Connect (SLRC) meetings regularly and engage with regional leadership team, branch supervisors/officials to understand field-level insights on customers and recommend enhancements to various policies and processes. - Update yourself with laws and regulations related to business and contribute to content preparation and learning material for various risk-related training programs. - Pursue Relevant Courses for cross-learning and growth oppor