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Risk Manager

3.00 to 5.00 Years   Mumbai City   01 Apr, 2025
RAMKRISHNA PURE FINANCE PVT LTD
Job LocationMumbai City
EducationNot Mentioned
SalaryRs 7 - 10 Lakh/Yr
IndustryNBFC ( Non Banking Financial Services )
Functional AreaRisk / Underwriting
EmploymentTypeFull-time

Job Description

    Role Overview:-We are seeking a highly skilled and motivated Risk Manager to join our dynamic team at Ram Krishna Pure Finance Pvt Ltd. The candidate needs to have at least 3 to 5 years of experience in risk management within an NBFC or a bank. The Risk Manager will work closely with the credit and loan underwriting teams to ensure that the companys loan portfolio is robust, compliant, and aligned with risk tolerance thresholds.Roles & Responsibilities: -
    • Credit Risk Assessment :- Employee will be responsible for evaluating the creditworthiness of potential borrowers based on credit scores, financial statements, income stability, and other relevant factors. Assess both individual and business lending risks, ensuring that loan disbursements are in line with the companys 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 guidelines and policies to minimize risk exposure related to lending. Recommend appropriate loan terms, interest rates, collateral requirements, and loan structures based on risk analysis.
    • Loan Recovery Risk Management:- Work closely with collections and recovery teams to ensure that risk exposure due to non-performing assets (NPA) is minimized. Evaluate the effectiveness of recovery strategies and adjust risk models accordingly.
    • Risk Reporting & Communication :- Prepare detailed risk reports and analysis for senior management, highlighting the risk profile of the loan portfolio, potential risks, and recommended mitigation actions. Communicate key risks effectively to cross-functional teams to ensure alignment on risk management strategies.
    • Collaboration with disbursing & Credit Team :- Work closely with underwriting and credit decision teams to ensure risk assessments align with lending strategies. Provide recommendations for improving loan approval processes, ensuring a balance between business growth and risk mitigation.
    • Data Driven Decision Making :- Utilize data analytics to identify risk trends, market conditions, and borrower behavior patterns. Leverage this information to inform decisions on lending policies, risk exposure limits, and potential new markets or loan products.
    Qualifications & Experience:
    • Bachelors or Masters degree in Finance, Economics, Business Administration, or a related field.
    • An MBA or relevant certification (e.g., CFA, FRM) is a plus.
    • Hands on Exp of using LOS,LMS software available in Market
    • Experience in developing or working 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 collaborating with various teams.
    • Attention to detail and ability to work under pressure to manage risk exposure.

Keyskills :
risk analysiscredit operationscredit underwriting

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