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