Essential Job Function:

Duties and Responsibilities

Enterprise Risk Monitoring & Reporting:

- Assist in implementing and maintaining the Enterprise Risk Management (ERM) framework for the NBFC.

- Identify, assess, and track key business risks across departments such as Credit, Treasury, Operations, Collections, Legal, and IT.

- Maintain the Risk Register and Risk Control Self-Assessment (RCSA) documents, ensuring periodic updates and validation.

- Support the Risk Head in preparing monthly/quarterly risk reports for senior management, Risk Committees, and the Board.

- Monitor Key Risk Indicators (KRIs) and escalate breaches or emerging risk trends.

Operational & Process Risk:

- Review key operational processes (Loan disbursal, dealer funding, collections, reconciliation, etc.) to identify process-level risks and control gaps.

- Track and analyze operational loss events, incidents, and near-misses; recommend corrective actions and preventive measures.

- Participate in process audits, control testing, and risk reviews with functional owners.

- Evaluate risk in outsourced vendor activities, dealer documentation, and third-party arrangements.

Credit & Portfolio Risk Oversight:

- Coordinate with the Credit Policy and Portfolio teams to track portfolio quality trends, delinquency movements, and exposure concentration.

- Review exception reports and policy deviations for risk rationale and escalation to the Risk Head.

- Support in periodic stress testing and scenario analysis to evaluate portfolio resilience under adverse conditions.

- Ensure adherence to the overall risk appetite framework defined for the wholesale lending business.

Market, Liquidity & ALM Risk Support:

- Monitor interest rate movements, liquidity positions, and funding concentration in coordination with Treasury.

- Support ALCO (Asset-Liability Committee) through preparation of risk inputs, trend analysis, and scenario impacts.

- Evaluate exposure to OEM concentration risk or dependence on specific dealer networks.

Regulatory, Compliance & Governance Risk:

- Track RBI and regulatory circulars applicable to NBFCs; highlight implications to relevant departments.

- Maintain the regulatory compliance tracker and support the Risk Head in regulatory submissions or inspections.

- Participate in policy reviews (e.g., Risk Management Policy, Credit Policy, Outsourcing Policy) and ensure periodic updates.

- Ensure risk governance frameworks are aligned with Board-approved charters and regulatory expectations.

Strategic & Business Risk Analysis:

- Support management in assessing the risk implications of new products, processes, or business expansions (new regions or dealer programs).

- Evaluate business continuity and contingency risk, including stress on funding or dealer network disruptions.

- Contribute to the Annual Risk Assessment and Planning Exercise, identifying priority risk areas for monitoring.

- Provide analytical insights into business performance vs. risk appetite metrics.

Data Analytics & Risk Tools:

- Assist in implementing and maintaining risk monitoring tools, dashboards, and MIS for business risk tracking.

- Use data analysis to identify emerging risk patterns, interdependencies, or control failures.

- Support automation and digitization initiatives in risk monitoring and control reporting.

Knowledge and Skills:

- In-depth understanding of dealer financing, wholesale credit structures, and auto market risks

- Expertise in credit risk, operational risk, enterprise risk, and regulatory compliance

- Strong grasp of RBI's NBFC regulatory environment including fair practices, capital adequacy, and risk-based supervision

- Strategic thinking, board-level communication, and leadership presence

- Familiarity with risk modeling, early warning systems, and technology-based risk tools

Education and Experience

- MBA/PGDM in Marketing, Finance, or related fields from a reputed institute

- Automotive Captive Finance or OEM Leadership Sales Experience (Captive finance experience preferred)

- 8+ years' experience in Leadership roles in NBFC, captive finance, or wholesale banking, with at least 5 years in a senior risk analyst role.

- Prior experience in setting up or transforming the risk framework in a NBFC is a strong advantage.