Risk Associate

Hyundai Capital India Pvt Ltd; Gurugram District; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

Hyundai Capital India Pvt Ltd in Gurugram invites a senior risk professional to join the risk management team. You will monitor retail and wholesale loan portfolios, analyze delinquencies, and support dashboards and governance processes across risk, credit, and operations.

The role requires hands-on experience in NBFC risk frameworks, RBI regulations, and leadership communication with cross-functional teams.

Qualifications

• MBA/PGDM in Finance or Economics, or related fields from a reputed institute.
• Automotive Captive Finance or OEM Leadership Sales Experience (Captive finance experience preferred).
• 4+ years’ experience in Leadership roles in NBFC, captive finance, or wholesale banking.

Responsibilities

• Assist in monitoring retail and wholesale loan portfolio performance.
• Analyse delinquency trends and portfolio movements.
• Support monitoring of portfolio concentration by geography, product, dealer, and customer segment.
• Assist in maintaining risk dashboards.
• Prepare reports on: Portfolio growth, Vintage analysis, Roll Rate analysis, Collection performance, Recovery trends
• Validate portfolio data received from Business and Operations.
• Early Warning Signal (EWS)
• Assist in monitoring Early Warning Indicators.
• Coordinate with Business, Credit, Collections, and Operations teams for required data.
• Assist in enterprise-wide risk assessment exercises.
• Record identified risks and mitigation plans.
• Operational Risk
• Assist in maintaining: Incident Register, Loss Event Database, Key Risk Indicators (KRIs)
• Track closure of operational risk action items.
• Regulatory & Governance Support
• Assist in preparation of presentations for: Board Risk Committee , Management Risk Committee, Internal Management Reviews
• Maintain repository of approved policies and risk documents.
• Policy & Documentation
• Support preparation and periodic review of: Risk Management Policy, Risk Appetite Framework, SOPs, Risk Manuals
• Reporting
• Prepare periodic reports including: Daily Portfolio Report, Weekly Risk Dashboard, Monthly Risk MIS, Delinquency Report, Collection Trend Analysis, Portfolio Quality Report

Skills

Dealer financing, wholesale credit

Credit/Operational risk

NBFC regulatory environment

Strategic leadership

Risk modeling / EWS

Education

MBA/PGDM in Finance or Economics

Job description

• Assist in monitoring retail and wholesale loan portfolio performance.
• Analyse delinquency trends and portfolio movements.
• Support monitoring of portfolio concentration by geography, product, dealer, and customer segment.
• Assist in maintaining risk dashboards.
• Prepare reports on: Portfolio growth, Vintage analysis, Roll Rate analysis, Collection performance, Recovery trends
• Validate portfolio data received from Business and Operations.
• Early Warning Signal (EWS)
• Assist in monitoring Early Warning Indicators.
• Coordinate with Business, Credit, Collections, and Operations teams for required data.
• Assist in enterprise-wide risk assessment exercises.
• Record identified risks and mitigation plans.
• Operational Risk
• Assist in maintaining: Incident Register, Loss Event Database, Key Risk Indicators (KRIs)
• Track closure of operational risk action items.
• Regulatory & Governance Support
• Assist in preparation of presentations for: Board Risk Committee , Management Risk Committee, Internal Management Reviews
• Maintain repository of approved policies and risk documents.
• Policy & Documentation
• Support preparation and periodic review of: Risk Management Policy, Risk Appetite Framework, SOPs, Risk Manuals
• Reporting
• Prepare periodic reports including: Daily Portfolio Report, Weekly Risk Dashboard, Monthly Risk MIS, Delinquency Report, Collection Trend Analysis, Portfolio Quality Report

Knowledge and Skills

• In-depth understanding of dealer financing, wholesale credit structures, and auto market risks
• Expertise in credit risk, operational risk, enterprise risk, and regulatory compliance
• Strong grasp of RBI’s NBFC regulatory environment including fair practices, capital adequacy, and risk-based supervision
• Strategic thinking, board-level communication, and leadership presence
• Familiarity with risk modeling, early warning systems, and technology-based risk tools

Education and Experience

• MBA/PGDM in Finance or Economics , or related fields from a reputed institute
• Automotive Captive Finance or OEM Leadership Sales Experience (Captive finance experience preferred)
• 4+ years’ experience in Leadership roles in NBFC, captive finance, or wholesale banking,
• Prior experience in the risk framework in a NBFC is a strong advantage.