Risk + Ops Executive (NBFC)

Department
Finance

Experience
3 to 6 Years

Compensation
INR(₹) 800,000 to 1,300,000

Mandatory Skills

Financial Services
NBFC
SOP creation
Documentation
Policy Drafting
Additional Skills

Communication Skills
Stakeholder Collaboration
Job Description

Locations : Mumbai

Role Overview:-

We are looking for a skilled and motivated Risk Manager to join our team at Ram Krishna Pure Finance Pvt Ltd. The ideal candidate should have 3 to 5 years of experience in risk management within an NBFC or bank. The Risk Manager will collaborate with credit and loan underwriting teams to ensure the company’s loan portfolio is robust, compliant, and aligned with risk tolerance thresholds.

Roles & Responsibilities: -

Credit Risk Assessment: - The employee will evaluate the creditworthiness of potential borrowers by assessing credit scores, financial statements, income stability, and other factors. They will assess both individual and business lending risks, ensuring loan disbursements align with the company's risk profile.
Portfolio Risk Monitoring: - Continuously monitor the loan portfolio for emerging risks, including delinquency, defaults, and concentration risks. Proactively identify signs of credit deterioration and take corrective actions as required.
Risk Mitigation Strategies:- Develop and enforce policies to minimize lending risk exposure. Recommend loan terms, interest rates, collateral requirements, and structures based on risk analysis.
Loan Recovery Risk Management:- Collaborate with collections and recovery teams to minimize risk exposure from non-performing assets (NPA). Evaluate recovery strategies' effectiveness and adjust risk models as needed.
Risk Reporting & Communication: - Prepare detailed risk reports for senior management, outlining the loan portfolio’s risk profile, potential risks, and mitigation actions. Effectively communicate key risks to cross-functional teams to ensure alignment on risk management strategies.
Collaboration with disbursing & Credit Team :- Collaborate with the disbursing team to align risk assessments with lending strategies and recommend improvements to the loan approval process, balancing growth and risk.
Data Driven Decision Making: - Utilize data analytics to identify risk trends, market conditions, and borrower behavior. This should help in decisions on lending policies, risk limits, and new market or loan product opportunities.
Qualifications & Experience:

Bachelor’s or Master’s degree in Finance, Economics, Business Administration, or a related field.
An MBA or relevant certification (e.g., CFA, FRM) is a plus.
Hands-on experience with LOS/LMS software.
Experience with credit risk scoring models and lending decision systems.
Knowledge of regulatory frameworks such as RBI guidelines, and other relevant lending regulations.
Familiarity with loan products, borrower credit evaluation, and default prediction models.
Proficiency in data analytics tools, credit risk models, and relevant software.
Strong communication skills for presenting risk assessments and team collaboration.
Attention to detail and ability to work under pressure to manage risk exposure.

We are seeking candidates currently residing in Mumbai, Surat, or Pune who are willing to relocate to Mumbai.

Additional Information

Required Qualification
Any Graduate ,

Job Insights: Important Tips to source better

1.Understanding of business loan and able to analyze financial statement

2.Have deal in secured product

3.Knows how to analyze credit report (CIBIL) and check basic documents for file

4.Have worked on credit policy to implement new policy from time to time

5.Know basic about LOS and LMS

6.Basic knowledge related to NPA post loan dealing

Keywords for Risk & Ops profile:

Business Loans

Credit Underwriting

Financial Analysis

Secured loan

LAP

Mortgage

Credit risk

Credit policy implementation

B2B

Risk management

Capital working loan

Compliance

Risk Assessment

Disbursement

NPA

CIBIL report

Documentation

LOS/LMS

Risk analysis

Bill discounting

Capital loan

Look for candidates with Unsecured business loan experience (Knowledge in Secured Business Loan needed)

Questionnaire

Question1 : What additional checks are required in the file before approval? ?

Question2 : Have you worked on credit policies? If yes, can you elaborate on your experience? ?

Question3 : What is NPA (Non-Performing Asset)? ?

Question4 : What are the key financial and balance sheet-related factors you consider? ?

Question5 : Can you explain the process you follow for loan sanctioning? ?