Risk Analyst - Policy & Risk Vertical - Mortgages

Client : Large home financier in India

Location : Mumbai

Credit risk analysis of mortgage loan proposals (retail and corporate), preparation of risk assessment summary & rating rationale;

- Risk analysis of mortgage credit operating guidelines on periodical basis as well as risk analysis of various process notes from operational risk perspective. Assistance in formulation of mortgage credit operating guidelines from risk perspective;

- Stress testing for internal capital adequacy assessment process (ICAAP) for in line with RBI Guidelines from Liquidity risk, Specific market risk, General Market Risk, Basis Risk (Interest rate risk) perspective along with credit stress testing of its Mortgage loan portfolio;

- Analysis of early mortality and its periodic reporting to senior management;

- Monthly Review of Mortgage Portfolio as per set parameters and its reporting to Senior Management;

- Analysis of inbound mortgage loan customers and FD customers and their Risk Categorization on monthly basis along with its reporting to Senior Management;

- Monitoring of assets under watch and carrying out assets quality review for Construction Realty Funding cases;

- Liaison with statutory auditors, internal auditors and ISO auditors for annual audit / certification perspective;

- Liaison with central operations / treasury / business / accounts teams for collation of the non-financial data and liaison with compliance team for regulatory reporting per se;

- Support the requirements of Compliance Team during Regulatory Inspection;

- Ability to adopt / implement regulatory changes;

Key Skills required

- Domain knowledge of NHB / RBI Notifications / Circulars / Guidelines issued by the NHB / RBI time to time;

- Should have proper understanding of Financial Statements to collate the information required to analyze the proposals from credit risk perspectives;

- Basic working knowledge of MS Office is must;

- Working knowledge of APS / Finnone will be an added advantage;

- Candidate should be with commerce background i.e. B.Com or M.Com and CA or FRM or MBA (Finance);

- Required minimum experience of 3-4 years of experience and preferably be from Banking/ NBFC / Housing Finance industry;

- It is added advantage if the Candidate has experience as credit manager in any Banking/ NBFC/ Housing Finance Company