Associate Director - Transaction Banking products(Non Financial Risk)

Think People Solutions; Bengaluru; Hybrid; INR 1,800,000 - 2,800,000; Full time

Job summary

Think People Solutions in Bengaluru is seeking an Associate Director to lead non-financial risk across Transaction Banking products, including Payments, Cash Management, and Digital Payments, overseeing end-to-end risk assessment and control effectiveness.

You will partner with product, operations, technology and governance teams to deliver practical risk advice, support regulatory readiness, and ensure customer-focused, safe growth in a complex financial services environment.

Qualifications

• Strong experience in transaction banking, with understanding of Payments and Cash Management, Trade and Digital Payments
• Knowledge of non-financial risk management within a large financial services environment
• Ability to provide credible advice and constructive challenge to product, digital, operations and technology stakeholders on product risk and risk in change

Responsibilities

• Act as a trusted non-financial risk partner to Transaction Banking product and digital businesses
• Provide analysis, advice and constructive challenge on risk profiles, control effectiveness, customer outcomes and risk in change
• Support identification, assessment, monitoring and reporting of material non-financial risks across end-to-end Transaction Banking product and platform lifecycle
• Contribute to uplift in product, platform and channel controls, risk indicators, governance, documentation and management information
• Support governance and risk processes for new product development, product changes and client implementations

Job description

What will your day looks like?About the Role:

At Associate Director level, the role is responsible for the identification, assessment,

management, monitoring and reporting of material non-financial risks across the

end-to-end product, platform and client lifecycle. The incumbent will help strengthen

the control environment for Transaction Banking products and digital capabilities,

support product design and change execution, contribute to client implementation

and delivery risk management, regulatory readiness and incident learnings, and

escalate material matters as appropriate

This role is responsible for helping manage non-financial risk across Transaction

Banking products, including Payments and Cash Management, Trade and Digital

Payments. The role acts as a trusted risk partner to product, sales, implementation,

operations, technology and digital delivery stakeholders, providing practical risk

advice and execution support to enable safe, sustainable and customer-focused

growth.

What will your day looks like?

Act as a trusted non-financial risk partner to Transaction Banking product and digital

businesses, providing practical guidance on product strategy, client solutions,

commercialisation, platform delivery and change initiatives.

Provide analysis, advice and constructive challenge on product and digital risk

profiles, control effectiveness, customer outcomes and risk in change across

Payments and Cash Management, Trade, Digital Payments, client channels,

connectivity solutions and related Transaction Banking capabilities.

Support the identification, assessment, monitoring and reporting of material non-

financial risks across the end-to-end Transaction Banking product and platform

lifecycle, including operational, compliance, technology, cyber, data, fraud, third-

party, conduct, financial crime and resilience risks.

Contribute to uplift in product, platform and channel controls, risk indicators,

governance, documentation and management information to strengthen

transparency, ownership and control effectiveness

Support quality and timely completion of risk assessments, control assurance, issues

management, incident response and remediation activities relevant to Transaction

Banking products, platforms and digital capabilities.

Provide risk input and execution support for new product development, product

enhancements, platform changes, digital payment capabilities, client

implementations, trade and cash management solutions and strategic initiatives

impacting Transaction Banking.

Support strong product and digital governance through quality forum papers, issue

transparency, escalation and decision support for relevant stakeholders.

Partner with Product, Operations, Technology, Digital, Implementation, Compliance,

Legal, Financial Crime, 2LOD Risk and Internal Audit stakeholders to support

aligned and effective non-financial risk outcomes.

Help embed strong first-line risk ownership and awareness across Transaction

Banking product and digital teams by promoting practical, customer-focused and

commercially aware risk management.

What will you bring to this role?

To grow and be successful in this role, you will ideally bring the following:

Strong experience in transaction banking, with sound understanding of

Payments and Cash Management, Trade and/or Digital Payments products,

platforms, client journeys, servicing models and the end-to-end product

lifecycle

Strong knowledge of non-financial risk management within a large and

complex financial services environment, including governance, risk

assessment, controls, issues and incident management, risk reporting and

risk in change

Demonstrated knowledge of key risk exposures relevant to Transaction

Banking products and digital channels, including operational resilience,

technology and cyber dependencies, data, fraud, third-party risk, financial

crime, conduct risk, regulatory compliance and customer outcome risks.

Demonstrated ability to provide credible advice and constructive challenge to

product, digital, operations and technology stakeholders on product risk,

platform controls, control design and risk in change, escalating material

matters where appropriate

Experience supporting new product approvals, product changes, digital

platform enhancements, client implementation risk assessments and

governance processes in a controlled banking environment

Strong communication, influencing, and stakeholder management skills, with

the ability to work collaboratively across business and control teams, simplify

complex risk matters, and provide clear recommendations that support

effective and sustainable risk outcomes

Knowledge of domestic and cross-border payment rails, cash management

structures, trade finance products, digital payment capabilities, client

connectivity solutions, APIs and emerging payment industry standards

Knowledge of digital risk and control frameworks, payment security, fraud

prevention, operational resilience, and regulatory requirements, with

experience supporting audit, compliance, and non-financial risk management

activities within banking and Transaction Banking environments

Experience using risk data and governance reporting to identify emerging

risks, support decision-making, and drive timely actions

Exposure to global Transaction Banking environments and familiarity with risk

systems, governance frameworks, and control improvement initiative