Financial Risk Analyst

A diversified global business conglomerate with a strong presence across financial services, commodities trading, agri-business, energy, metals, and logistics. With operations spanning India, the Middle East, Africa, Europe, and Asia, the organization is known for its strong governance, disciplined risk management practices, and entrepreneurial leadership.

Role Overview:

The organization is seeking a Financial Risk Analyst to identify, assess, monitor, and mitigate financial risks across lending, investment, and treasury operations. The role involves quantitative risk analysis, credit risk evaluation, market risk assessment, and regulatory compliance support, contributing to the strengthening of the overall risk management framework.

Key Responsibilities:

1. Risk Assessment & Analysis:

- Analyze credit, market, liquidity, and operational risks across portfolios.

- Evaluate borrower financials, including cash flows, balance sheets, and repayment capacity.

- Conduct stress testing, scenario analysis, and sensitivity analysis.

- Monitor portfolio performance and identify early warning signals (EWS).

2. Credit & Portfolio Risk:

- Support credit appraisal processes and risk grading models.

- Track NPAs, SMA accounts, exposure limits, and concentration risks.

- Review and recommend risk mitigation strategies.

3. Market & Treasury Risk:

- Assess exposure to interest rate risk, commodity risk, foreign exchange (FX) risk, and counterparty risk.

- Monitor Value at Risk (VaR), duration, and yield curve movements.

- Assist treasury teams with hedging strategies and risk reporting.

4. Regulatory & Compliance:

- Ensure compliance with RBI guidelines, NBFC regulations, and internal risk policies.

- Assist in ICAAP, ALM reporting, and regulatory submissions.

- Support internal and external audits related to risk management.

5. Reporting & MIS:

- Prepare periodic risk dashboards, MIS reports, and management presentations.

- Present key risk insights to senior management and risk committees.

- Automate reports using Excel, Power BI, or other analytics tools.

Required Qualifications:

Education:

- MBA (Finance) / CA / CFA / FRM

- Master's degree in Finance, Economics, or Risk Management

Experience:

- 1-3 years of experience in risk analytics, credit risk, or financial risk

- Prior experience in NBFC, Banking, FinTech, or Financial Services preferred

Key Skills & Competencies:

- Strong understanding of financial statements and credit analysis

- Knowledge of risk models, Basel norms, and RBI regulations

- Advanced proficiency in MS Excel; working knowledge of Power BI and SQL preferred

- Strong analytical thinking and attention to detail

- Effective communication and stakeholder management skills