Job Title: Risk Analyst – Retail Credit Risk Job Details: Business Unit: Integrated Risk Management Team: Retail Credit Risk Management Reports to: Team Lead – Retail Credit Risk / Vertical Head – Retail Credit Risk Location: PAN India Role Type: Individual Contributor Travel Required: Yes Job Band Range: E3 / E4 JD Created date: 22/08/2025 JD Updated date: 20-11-25 Job Purpose: Portfolio Risk Assessment, Monitoring & Governance Creating and using various assessment and awareness tools including portfolio reviews, product program reviews, framework monitoring etc. to maintain portfolio health. Job Responsibilities: Creating and maintaining required data points for facilitating all risk management aspects. Timely extraction/creation of required portfolio database. Ensuring data accuracy and validation. Risk Identification, measurement on time, reporting of risk observations, ensuring governance framework adherence. Periodic reviews of assigned portfolio across various pertinent risk dimensions. Conducting reviews as per set guidelines on defined frequency, driving actionable across stakeholders. Maintaining risk oversight, monitoring KRI`s covered in ICAAP / RAS, and Risk Limits package. Ensuring adherence to CSPB materiality evaluation and collections performance tracking. RAS, ICAAP monitoring, with timelines adherence & impact monitoring. Tracking collection parameters/KRI to monitor risk appetite & cost. Compliance & audit adherence. Engaging with compliance & audit teams for relevant discussions and detailing. Educational Qualifications: Chartered Accountant CFA MBA (Finance) FRM Equivalent to above Key Skills: Technical skill sets to churn large volumes of data. Ability to conceptualize, implement, interpret & present credit risk dashboards. Communication, articulation, and presentation skills. Proficient operating knowledge of MS Office Suite (Pref. Power BI and Python). Experience Required: Minimum Banking/Finance experience: 0-5 years Major Stakeholders: Product / Business RCSC Retail Portfolio Management (collections) CIC Compliance Internal Audit Other sub-Units of larger Internal Risk Management Team