Risk Management Trainee

TVS Credit Services Ltd; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

TVS Credit Services Ltd in Bengaluru is seeking a risk professional to assess, monitor, and mitigate credit risk across the loan portfolio. You will develop risk dashboards, support ECL provisioning, and collaborate with credit, risk analytics, underwriting, and collections to strengthen risk governance.

The role requires CA / MBA Finance / CMA with post-qualification experience in risk/credit in banking or NBFC environments, along with strong data-driven analytical capabilities.

Qualifications

• CA / MBA Finance / CMA with post-qualification experience in risk/credit in banking/NBFC domains.
• Strong expertise in credit risk assessment, underwriting, portfolio monitoring and analytics.
• Ability to leverage data and regulatory guidelines to optimize credit policies while growing the portfolio.

Responsibilities

• Monitor loan portfolio performance using credit, risk and collection metrics.
• Prepare monthly risk dashboards for CEO reviews.
• Work with finance to develop loss projection models and ECL provisioning.
• Collaborate with credit, risk analytics, underwriting and collections for effective risk management.
• Ensure NBFC regulatory compliance and adherence to guidelines.
• Prepare risk reports for risk committees of the Board.
• Participate in learning and development to enhance risk practices.
• Contribute to ad-hoc risk assessment and process improvement projects.

Skills

Credit risk assessment

Portfolio monitoring

Risk analytics

Underwriting

Regulatory compliance

Education

CA / MBA Finance / CMA

Job description

Job profile:

As a risk profile, the job description would likely involve a range of responsibilities related to assessing, managing, and mitigating financial risks associated with the company's operations.

Role & responsibilities

• Portfolio Monitoring: Monitor the performance of the company's loan portfolio through various credit, Risk and collection metrics. Provide insight to the business and credit team on the risk and opportunities at the right time with sharp data analysis.
• Risk Dashboard: Prepare and present action items through monthly Risk Dashboard for CEOs monthly performance review.
• Loss Models: Work with Finance team on various Loss projection models and arrive at more realistic ECL provisioning.
• Collaboration: Work closely with other departments, such as credit, Risk analytics, underwriting, and collections, to ensure effective risk management across the organization.
• Regulatory Compliance: Stay updated on relevant regulations and guidelines governing NBFC operations and ensure that the company's risk management practices adhere to these standards.
• Risk Reporting: Prepare reports and presentations for the Risk management committees of the Board.
• Learning and Development: Actively participate in training and development programs to enhance your knowledge of risk management practices, financial analysis, and industry-specific trends.
• Ad-Hoc Projects: Contribute to special projects related to risk assessment, process improvement, or strategic initiatives as assigned by supervisors.

Preferred candidate profile

• CA / MBA Finance / CMA
• Post qualification of CA/ MBA Finance, with prior experience in the field of Risk/Credit/ in Banking / NBFC domain
• Strong expertise in credit risk assessment, underwriting, portfolio monitoring, and risk analytics, with the ability to evaluate borrower creditworthiness and recommend risk-mitigating strategies. Proficient in leveraging data, regulatory guidelines, and portfolio performance insights to optimize credit policies while maintaining portfolio quality and business growth objectives.