General Manager/AVP

General Manager/AVP - Risk and Regulatory Compliance

• This role is for one of the Weekday's clients. The salary range for this position is Rs

hidden_mobile - Rs hidden_mobile (i.e., INR 20-25 LPA). The minimum experience required for this role is 5 years. The location for this job is in Mumbai, Maharashtra. The job type is full-time.The role is responsible for overseeing risk governance and ensuring full compliance with regulatory requirements, particularly within the framework of ICAAP and scale-based regulations. As a candidate, you will play a key role in managing credit, market, and operational risks, while supporting strategic decision-making and process optimization across the organization.Key Responsibilities:Risk Governance & Regulatory Compliance:- Perform CRAR (Capital to Risk-Weighted Assets Ratio) and RWA (Risk-Weighted Assets) calculations in alignment with applicable regulatory frameworks.- Monitor capital adequacy to ensure ongoing compliance with regulatory standards and capital buffer requirements.Risk Assessment & Modeling:- Evaluate Pillar I and II risks including credit, market, and operational risks.- Conduct comprehensive stress tests for credit risk, liquidity risk, and interest rate risk.- Calculate key risk parameters such as Probability of Default (PD), Loss Given Default (LGD), and Expected Credit Loss (ECL).- Analyze Stage 1 and Stage 2 transitions through bucket forecasting to assess portfolio risk impact.Portfolio Risk Monitoring:- Perform vintage curve and static pool analysis for portfolio performance evaluation.- Provide risk-based pricing recommendations to balance profitability and risk thresholds.- Present monthly portfolio health and hygiene reviews to senior management, highlighting critical observations and follow-up actions.Macroeconomic & Policy Insights:- Deliver macroeconomic analyses to guide strategic decision-making.- Support internal policy development, particularly in the areas of credit risk and portfolio management.MIS & Dashboard Reporting:- Design and maintain real-time MIS dashboards for comprehensive portfolio monitoring.- Generate analytical reports to track portfolio performance, risk levels, and compliance metrics.Stress Testing & Early Warning Systems:- Conduct stress tests for portfolios, especially for Rural Business Group (RBG), considering sector-specific risks.- Develop early warning indicators and recommend mitigation strategies for emerging risks.Credit Appraisal & Policy Enablement:- Draft and refine Credit Appraisal Memos for products such as KCC, Rural MSME, and Micro LAP.- Lead policy training and alignment sessions for sales and credit teams to ensure adherence to internal risk guidelines.Process Optimization:- Design scorecard-based funding models to enhance credit process accuracy.- Simplify Excel-based appraisal and renewal workflows to improve efficiency and turnaround time.Cross-Functional Coordination:- Collaborate across business functions to ensure strategic alignment in technical, operational, and financial areas.- Drive implementation of risk mitigation and portfolio strategy initiatives.Competition & Industry Benchmarking:- Periodically benchmark competitors to incorporate best practices in risk and compliance management.- Ensure the organization remains up-to-date with industry standards and regulatory expectations.Required Skills:- Risk Governance & Assessment- ICAAP & CRAR Compliance- Credit Appraisal & Portfolio Monitoring- Risk Parameter Modeling (PD, LGD, ECL)- MIS & Dashboard Reporting- Stress Testing & Early Warning Indicators- Scorecard & Process Optimization- Regulatory and Operational Risk Management- Stakeholder Engagement & Cross-Functional Collaboration- NBFC Sector Experience Preferred,

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Capital Adequacy, Risk Assessment, Policy Formulation, Stress Testing, Early Warning Systems, Credit Appraisal, Process Optimization, Coordination, Stakeholder Engagement,CRAR, RWA calculations, Credit Risk Stress Tests, Liquidity Risk Assessment, Interest Rate Risk assessments, Probability of Default, Loss Given Default, Expected Credit Loss rates, Bucket Forecasting, Vintage Curve Analysis, Static Pool Analysis, RiskBased Pricing, Macroeconomic Overview, MIS Dashboard Development, Policy Training, ScorecardBased Funding Models, ExcelBased Credit Appraisal Memo, Competition Benchmarking

risk management, financial statement analysis, stress testing, project management, scenario analysis, data analysis, statistical modeling, risk assessment, financial reporting, credit risk, regulatory compliance, communication skills,risk analytics tools, credit risk assessment, credit data analysis

Operational Risk Management, Regulatory Compliance, Data Analytics, Machine Learning, Risk Reporting, Team Development,Financial Trends Interpretation, Stakeholder Communication

Program Management, Expense Management, Headcount Management, Risk Management, Operational Risk Management, Analytical Skills, Communication Skills, Project Management,Monitoring Testing, Call Listening, Central Testing, Strategy Governance, Regulatory Governance, Training Talent Development, Compliance Risk Management, Partnership Building, Global Team Collaboration

Capital Adequacy, Risk Assessment, Policy Formulation, Stress Testing, Early Warning Systems, Credit Appraisal, Process Optimization, Coordination, Stakeholder Engagement,CRAR, RWA calculations, Credit Risk Stress Tests, Liquidity Risk Assessment, Interest Rate Risk assessments, Probability of Default, Loss Given Default, Expected Credit Loss rates, Bucket Forecasting, Vintage Curve Analysis, Static Pool Analysis, RiskBased Pricing, Macroeconomic Overview, MIS Dashboard Development, Policy Training, ScorecardBased Funding Models, ExcelBased Credit Appraisal Memo, Competition Benchmarking

risk management, financial statement analysis, stress testing, project management, scenario analysis, data analysis, statistical modeling, risk assessment, financial reporting, credit risk, regulatory compliance, communication skills,risk analytics tools, credit risk assessment, credit data analysis

Operational Risk Management, Regulatory Compliance, Data Analytics, Machine Learning, Risk Reporting, Team Development,Financial Trends Interpretation, Stakeholder Communication

Program Management, Expense Management, Headcount Management, Risk Management, Operational Risk Management, Analytical Skills, Communication Skills, Project Management,Monitoring Testing, Call Listening, Central Testing, Strategy Governance, Regulatory Governance, Training Talent Development, Compliance Risk Management, Partnership Building, Global Team Collaboration

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