Product Risk Associate
- Category: Bank Jobs
- Location: Thane, Maharashtra
- Job Type: Full Time / Part Time
- Salary: Estimated: $ 24K to 30K
- Published on: 2025/09/21
Working in close co-ordination with various teams from Data Science, IT, Product, etc. for delivering on Risk KRAs such as scorecards, alternate validation methods, Loss forecasting, etc.
Monitoring portfolio triggers & suggesting actions to be taken wherever breached. Use analytics to track early warning measures and suggest corrective actions to maintain portfolio quality.
Coordinating for monthly portfolio risk reviews & driving product wise risk reviews
Sample Case Studies on a regular basis for delinquent cases or fresh disbursements in the overall portfolio.
Regularly conduct sample credit reviews (Good Bad analysis) on a portfolio basis & provide feedback to the sourcing, data science & underwriting teams. This includes feedback on the compliance of the norms stipulated in the respective Product program, as applicable.
Impart trainings to the relevant teams through Digital or classroom mode and conducting regular knowledge tests.
New Initiatives & Innovations in Digital Channel Risk Management esp. with an eye on business enhancement & ensuring good portfolio quality.
Usage of Technology esp. when it comes to putting BREs in place, doing the UAT from Risk perspective, ensuring data quality & data integration across various systems being used
Desired Experience: About 5-7 years’ experience in Bank / NBFC preferably in Credit or Risk function with exposure to digital product development & lending.
Other desired attributes: Excellent written/ oral communication and presentation skills & interpersonal skills, keen sense for innovation & problem solving, solution & result orientation, understanding of alternate data-based lending.
Knowledge of lending platforms would be an advantage. Ability to work with Data and Metrics.
Educational Qualification: Preferably CA or MBA (Finance).
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