Analyst (CRAR Calculations & Regulatory Reporting)

Saraswat Bank; Maharashtra; On-site; INR 11,00,000 - 16,00,000; Full time

Job summary

A leading bank in India is seeking a CRAR Specialist to handle accurate computation and reporting of the Capital to Risk-Weighted Assets Ratio. This role involves ensuring regulatory compliance with RBI and Basel III guidelines, collaborating with finance and risk teams, and enhancing data quality through process improvements. Ideal candidates should possess strong analytical skills, attention to detail, and a solid understanding of regulatory requirements.

Qualifications

• Proven experience in CRAR computation and risk management.
• Strong understanding of Basel III regulations.
• Experience in preparing regulatory reports.

Responsibilities

• Calculate and validate CRAR for compliance.
• Prepare regulatory returns/reports for RBI.
• Work with finance and risk teams for asset validations.
• Enhance data quality of CRAR calculations.

Skills

Analytical skills

Quantitative skills

Attention to detail

Communication skills

Problem-solving

Job description

Overview

Role Overview: The CRAR Specialist will be responsible for accurate computation, analysis, and reporting of the Capital to Risk-Weighted Assets Ratio (CRAR) as per RBI and Basel III guidelines. The role ensures that the organization remains compliant with regulatory capital requirements and supports management in effective capital planning and risk management.

Responsibilities

• CRAR Computation & Monitoring
  • Calculate and validate CRAR (Tier I and Tier II capital vs Risk-Weighted Assets).
  • Monitor capital adequacy on a monthly/quarterly basis to ensure compliance with RBI norms.
  • Conduct stress testing and scenario analysis to assess capital adequacy under adverse conditions.
• Regulatory Compliance & Reporting
  • Prepare and submit CRAR-related regulatory returns/reports to RBI and Board Committees.
  • Ensure adherence to Basel III norms and track updates in regulatory requirements.
  • Support Internal Audit, Statutory Audit, and Regulatory inspections with relevant CRAR data.
• Risk Assessment & Capital Planning
  • Work with Finance, Treasury, and Risk teams to validate risk-weighted asset computations.
  • Analyze exposure across credit, market, and operational risk categories.
  • Contribute to ICAAP (Internal Capital Adequacy Assessment Process) and stress testing frameworks.
• Process Improvement & Controls
  • Enhance data quality and accuracy of CRAR calculations through automation and process controls.
  • Identify gaps in capital management processes and recommend improvements.

Key Competencies

• Analytical and quantitative skills with strong attention to detail.
• Ability to interpret and implement regulatory requirements.
• Strong communication and presentation skills for management and regulator interactions.
• Problem-solving mindset and ability to work under tight deadlines.