ROLE PURPOSE & OBJECTIVE:

- (These responsibilities are representative and the role holder is also responsible for any other job assigned by the superior authorities from time to time.

- This section in not intended to be an exhaustive listing of all activities done by the role holder.

- It should capture only the key deliverables and responsibilities of the role.

- The Bank intends to onboard a research analyst to join the Enterprise Risk Management (ERM) unit within the Risk Management Department.

- The role involves conducting in-depth research, benchmarking, and analysis to support risk assessments, strategic decision-making, and Board-level reporting.

- The analyst will work closely with the risk leadership team to provide insights into the financial, sectoral, and macroeconomic factors that influence the Bank's Enterprise risk posture.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE:

Business/ Financials:

- Conduct balance sheet benchmarking of the Bank against peers (SFBs, Universal banks, peer NBFCs.

- Perform ratio analysis & interpret trends/insights on capital adequacy, NIM, cost-to-income, credit costs, GNPA/NNPA, RoA, RoE etc.

- Track and interpret peer disclosures, investor presentations, call transcripts & annual reports for risk and performance insights.

- Research and review business models of peers across retail, MSME, Microfinance, Housing and other segments.

- Prepare structured notes on emerging sectors risks, competitive strategies, and market positioning and deliver insights on yields, risk-adjusted returns, portfolio vulnerabilities, key risk drivers etc.

- Track and interpret macroeconomic developments (GDP, inflation, interest rates, liquidity, credit growth etc.

- Monitor various pricing strategies adopted in various credit products and implement Risk Based Pricing in compliance to Regulatory requirements.

- Assist in the documentation of the Bank' ICAAP/CCAR/SCAP findings.

Customer (Both Internal & External):

- Prepare sectoral risk outlooks for housing finance, MSME, Microfinance, gold loans & vehicle loans including early warning signals from global & domestic economic trends.

- Prepare and publish integrated risk scores for key SBUs and actively engage with SBUs to ensure implementation of corrective measures by the first line.

- Contribute to risk posture reports, Board level dashboards & other reporting aspects on risk management at various committees/forums.

- Conduct State Level Risk Connect (SLRC) meetings on ongoing basis.

- Engage with regional leadership team, branch supervisors/officials to understand field level insights on customer and field staff and recommend enhancements to various policies and processes.

Innovation & Learning:

- Updating self with laws and regulations related to business.

- Contribute in content preparation, learning material for various risk related training programs.

- Pursue Relevant Courses for cross learning and prepare self for growth opportunities.

- Visit Field/Branch to get updated to keep abreast of Banking Operations & area related issues.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS:

Educational:

Qualifications:

- Postgraduate in Finance, Economics, or related fields (MBA/PGDM, FRM, CFA preferred).

Certifications:

- Certifications on FRM/PRM is an added plus.

Functional Skills:

- Understanding of data required for analysis of bank wide risk metrics.

- Conceptual thinking ability to interpret business models, balance sheet, peer bank performance, financial soundness & inherent risks.

- Elementary knowledge of Banking operations.