AVP - Risk - Cleantech Finance - Mumbai - Lodha (I-Think Techno Campus)

Tata Capital; Thane; On-site; INR 3,500,000 - 6,500,000; Full time

Job summary

Tata Capital is seeking a senior risk professional to lead Cleantech Finance credit risk assessments, portfolio monitoring, governance, and policy alignment. The role covers end-to-end risk oversight, ensuring compliance with risk appetite while supporting growth in sustainable financing across renewables and green segments.

The candidate will engage with lending committees, develop risk notes, and contribute to the evolving risk framework for green finance products, partnerships, and

Qualifications

• Bachelor’s degree in Finance, Economics, Engineering, Accounting, or related discipline.
• MBA / CA / CFA preferred.

Responsibilities

• Evaluate Cleantech Finance credit proposals including renewable energy, rooftop solar, electric mobility, energy efficiency, waste-to-energy, sustainability-linked and other green financing segments.
• Assess borrower viability, project cash flows, equipment/vendor risks, technology risks, off-taker/payment risks, collateral structures, and regulatory or subsidy dependencies.
• Ensure consistency of risk assessment with approved credit policies and risk appetite.
• Provide independent, well-documented risk views for proposals presented to lending/sanctioning committees.
• Product ownership is structured based on portfolio complexity, ticket size, and risk exposure (M5 level for end-to-end risk oversight; M6 for broader portfolio ownership).
• Monitor portfolio performance, concentration risks, early warning indicators, policy deviations, delinquency trends, and emerging sector risks; support reviews and risk mitigation actions.

Skills

Credit risk

Portfolio risk monitoring

Sector assessment

Committee presentations

Regulatory guidelines

Education

Bachelor’s degree in Finance, Economics, Engineering, Accounting, or related discipline

MBA / CA / CFA preferred

Job description

Description

Main Accountabilities

1. Cleantech Finance Credit Risk Assessment

• Evaluate credit proposals for Cleantech Finance products including renewable energy, rooftop solar, electric mobility, energy efficiency, waste-to-energy, sustainability‑linked and other green financing segments.
• Assess borrower viability, project cash flows, equipment/vendor risks, technology risks, off‑taker/payment risks, collateral structures, and regulatory or subsidy dependencies.
• Ensure consistency of risk assessment with approved credit policies and risk appetite.
• Provide independent, well‑documented risk views for proposals presented to lending / sanctioning committees.
  • Product ownership is structured based on portfolio complexity, ticket size, and risk exposure.
  • M5 Level: Responsible for end‑to‑end risk oversight of assigned Cleantech Finance product portfolios of moderate complexity, including portfolio monitoring, risk analytics, governance reporting, and control on underwriting deviations.
  • M6 Level: Responsible for broader Cleantech Finance portfolio ownership across higher‑complexity products and larger exposures, including renewable energy, electric mobility, sustainability‑linked finance, vendor/program‑based financing, and emerging climate‑aligned lending opportunities.

2. Portfolio Risk Monitoring & Analysis

• Monitor Cleantech Finance portfolio performance, concentration risks, early warning indicators, technology/vendor exposures, policy deviations, delinquency trends, and emerging sector risks.
• Conduct periodic portfolio reviews to identify stress pockets and improvement opportunities.
• Support senior management reviews on large Cleantech Finance exposures, sectoral concentration, green portfolio performance, and product‑wise risk‑return trends.
• Recommend proactive risk mitigation actions based on portfolio insights.

3. Risk Mitigation & Threshold Framework

• Support definition and monitoring of Cleantech Finance risk thresholds including exposure limits, borrower caps, project ticket sizes, equipment/vendor eligibility, customer segments, and sector concentration limits.
• Track adherence to approved thresholds and elevate deviations with appropriate recommendations.
• Work closely with business teams to balance risk prudence with sustainable growth.

4. Credit Policy & Product Governance

• Assist in formulation, review, and periodic update of Cleantech Finance credit policies, underwriting programs, risk acceptance criteria, and Delegation of Authorities.
• Support development and rollout of credit policies for new Cleantech Finance products, partnerships, vendor‑led programs, and enhancements to existing green financing offerings.
• Ensure alignment of product structures, underwriting parameters, and credit decisioning with policy intent.
• Review product‑and segment‑wise risk segmentation to support portfolio monitoring and ECL frameworks.
• Provide timely and independent risk advisory to various lending committees.
• Ensure adherence to defined TATs for risk review, documentation, and committee submissions.
• Support preparation of risk notes, green portfolio insights, sector updates, and decision support material for senior forums and lending committees.
• Promote a strong risk culture through consistent application of risk frameworks and policies.
• Stay abreast of regulatory changes, green finance developments, renewable energy market trends, climate‑risk considerations, and policy developments impacting Cleantech Finance.
• Participate in learning initiatives to strengthen product and credit risk capabilities.

5. Risk Advisory & Committee Support

6. Risk Culture & Capability Building

Qualifications & Experience

• Bachelor’s degree in Finance, Economics, Engineering, Accounting, or related discipline; MBA / CA / CFA preferred.
• 8–12 years of experience in Credit Risk / Product Risk with exposure to Cleantech Finance, renewable energy, project finance, infrastructure finance, equipment finance, or green lending portfolios.
• Strong exposure to credit appraisal, portfolio risk monitoring, sector assessment, and committee‑level risk presentations for Cleantech / green financing products.
• Working knowledge of regulatory guidelines, climate‑risk considerations, credit risk models, portfolio analytics, and sector‑specific underwriting parameters.