Risk Management Analyst / NBFC Lending_0 To 2 years

Kiya.ai; Chennai District; On-site; INR 3,00,000 - 4,50,000; Full time

Job summary

A leading NBFC is seeking a Risk Analyst to support credit risk assessment, portfolio monitoring, and risk reporting in Chennai. The role requires strong advanced Excel skills and an understanding of financial statements. Candidates with 0-2 years of experience in related fields are encouraged to apply, especially those who can convert data into actionable insights for senior management. The position offers a high learning opportunity in credit underwriting and visibility with senior management.

Qualifications

• 0-2 years of experience in a similar role.
• Previous experience in NBFC, Banking, or Credit Risk is an advantage.

Responsibilities

• Assist in preparation of credit notes and risk assessment memos.
• Analyze borrower financial statements, cash flows, ratios, and peer benchmarks.
• Track and analyze portfolio performance metrics.
• Build and maintain Excel-based models, scorecards, and MIS dashboards.
• Present analytical findings as clear insights and actionable recommendations.

Skills

Advanced proficiency in Microsoft Excel

Strong understanding of credit risk concepts

Working knowledge of financial statements & financial analysis

Analytical mindset with attention to detail

Good communication, documentation, and stakeholder management skills

Education

Bachelor's degree in Finance, Accounting, Economics, Commerce, or Management

Job description

Job Details

Experience : 0-2 years

Role: Risk Analyst Credit Risk

Location: Chennai (Only Chennai based profiles)

Department: Risk Management / Credit Risk

Industry: NBFC / Financial Services / Lending

Note : Only immediate to short joiners will be contacted for further interview process

About the Role

We are hiring a Risk Analyst to support credit risk assessment, portfolio monitoring, and risk reporting for a leading NBFC. This role is ideal for candidates who are strong in advanced Excel, financial statement analysis, and risk analytics, and who can convert data into actionable insights for business and senior management.

You will work closely with underwriting, collections, and senior stakeholders to ensure data-driven risk decisions and effective credit controls.

Key Responsibilities

1 Credit Assessment & Underwriting Support

• Assist in preparation of credit notes and risk assessment memos
• Analyze borrower financial statements, cash flows, ratios, and peer benchmarks
• Identify early risk indicators and red flags during credit evaluation

2 Portfolio & Exposure Monitoring

• Track and analyze portfolio performance metrics:
• DPD, PAR, roll rates, write-offs, cure rates
• Collection efficiency and delinquency trends
• Highlight emerging risks across products, geographies, and customer segments
• Support proactive risk mitigation initiatives

3 Data Analysis & Reporting (Advanced Excel)

• Build and maintain Excel-based models, scorecards, and MIS dashboards
• Work extensively on:
• Piv ot Tables
• XLOOKUP / VLOOKUP
• INDEX-MATCH
• SUMIFS, IF, nested formulas
• Ensure accuracy, consistency, and timeliness of risk reports

4 Stakeholder Communication & Documentation

• Present analytical findings as clear insights and actionable recommendations
• Support senior management with risk summaries and dashboards
• Maintain structured documentation, meeting minutes, and decision logs
• Demonstrate strong listening skills to understand business context and risk concerns

Required Skills & Competencies

• Advanced proficiency in Microsoft Excel
• Strong understanding of credit risk concepts
• Working knowledge of financial statements & financial analysis
• Analytical mindset with attention to detail
• Good communication, documentation, and stakeholder management skills

Qualifications (Preferred)

• Bachelors degree in Finance, Accounting, Economics, Commerce, or Management
• Experience in NBFC / Banking / Lending / Credit Risk domain is an advantage

Why Join Us

• Work with a reputed NBFC and exposure to real-world credit risk decisions
• High learning opportunity in credit underwriting & portfolio analytics
• Collaborative risk and business environment
• Clear visibility with senior management

How to Apply

Interested candidates can apply directly here.