11+ Risk management framework Jobs in India
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Overview:
The Risk Manager will oversee the organization's risk management program, assessing and identifying risks that could impede the reputation, safety, security, or financial success of the organization.
Key Responsibilities:
- Designing and managing the consumers' credit portfolio and risk within the desired target
- Driving new experiments with deeper cust understanding and segmentation
- Leverage traditional and alternate data to create risk policies and ensure effective implementation
- Continuously plans, monitors, and reviews risk management and perform regular checking and/or surveillance to ensure that risk treatment is effective
- Establish, implement and manage risk policy and control frameworks, ensuring that minimum standards, ownership and operation are documented and communicated across the Group
- Manage a governance structure to monitor, challenge and test business compliance with risk policies and control frameworks
- Develop, lead and maintain a center of expertise within 1st line risk management
- Maintain comprehensive credit policy inventory and facilitate timely periodic review/approval of credit policies
- Monitor and communicate new regulatory issues/guidance impacting credit policy, analyze the impact, interpret and implement into policy
Education and Experience:
- Bachelor's degree in Risk Management, Finance, or related field required.
- At least 7+ of related experience is preferred.
- Strong knowledge and experience in risk management and policy
- Excellent verbal and written communication skills.
- Excellent mathematical and critical thinking skills.
- Excellent analytical and problem-solving skills.
- Excellent organizational skills and attention to detail.
- Strong supervisory and leadership skills
Who we are:
At Qiro, we are a dynamic team united by a mission to foster a fair, transparent, and decentralized global lending market. Our focus lies in developing an institutional private credit protocol that seamlessly connects on-chain stablecoin lenders with off-chain fintech borrowers.
What are we looking for:
We are seeking a highly skilled and experienced Head of Credit to lead our credit department and drive our lending strategies. As the Head of Credit, you will be responsible for overseeing all aspects of credit risk management, ensuring that our lending practices align with regulatory requirements and industry best practices while maximizing profitability.
Responsibilities:
- Head the Risk Policy, Credit Underwriting and Collection functions of corporate card, credit line, and working capital loans.
- Facilitate the development and constant update of risk policies and related frameworks.
- Proactive risk assessment of existing portfolio on regular basis identifying weak accounts.
- Constantly monitor and evaluate Early Warning Signals and deploy/ amend the limits structure for managing the risk concentration across a broad range of parameters.
Requirements:
- 5-7 years of experience in the Banking/NBFC/Fintech space with at least 3-4 years of experience at management level.
- In depth knowledge of Web debt fund, Structured debt, corporate financing and lending.
- Strong understanding of regulatory requirements and compliance issues related to lending operations.
- Exceptional skills in understanding data, trend analysis, score cards and behavior scores is must
Nice to have:
- Excellent communication skills along with strong presentation and data analytics skills
- Professional certifications such as CFA, FRM, or similar credentials are a plus.
Benefits:
- Competitive salary and performance-based bonuses.
- Flexible remote work.
- Flexible working hours.
- Opportunities for professional development and career growth within a dynamic fintech company.
Company Description
Apollo Finvest is a publicly listed Non-Banking Financial Company (NBFC). Think of us as AWS for Lending. We enable any company to offer fully digital and compliant digital loan products to their end customers. Built on modern Restful APIs, we treat the financial services on our platform as building blocks, which our partners can mix and match to create loan products specifically tailored to their business model.
Key Responsibilities
- Working closely with the Credit, Business, and Compliance team to manage and mitigate risk exposure.
- Monitoring of loan accounts, checking loan documents & timely preparing various MIS reports.
- Streamline operational processes to enhance efficiency.
- Ensure completeness of documentation in accordance with approved terms and conditions.
- Develop Risk and Operational strategy for line management, collections, underwriting, pricing etc.
- Assist COO and Credit team with operational and financial data analysis to establish early warning signals for risk exposure across lending products.
- Complying with RBI/Regulatory guidelines and establishing processes to safeguard risk exposure
Minimum Requirements
- Proven experience of minimum 5 years in progressively responsible risk and/or operations roles within the NBFC sector
- Has experience with scaling and managing lending products
- Attitude to work at lightning fast speed
- Background of underwriting, credit sanctioning, or credit policy drafting would be given a strong preference
- The candidate must be exceptional in people management, communication, and presentation skills.
- A proven track record of managing partners and engaging in solution selling would be preferred
- Highly organized and efficient, with the ability to multitask and meet tight deadlines
A strong work ethic and a result-oriented approach
*The CTC range exceeds to what is shown in the job description*
Amazon Web Services (AWS)Job Code: DSSR0001
Experience: 4+ years
Shift: UK (2 pm to 11 pm)
Work Location: Chennai / 100% work from the office.
Job Description:
ServiceNow is a cloud-based platform that provides IT services management (ITSM), IT operations management (ITOM), and other business process automation solutions. The role involves designing, developing, and maintaining applications on the ServiceNow platform. They have expertise in customizing and configuring the ServiceNow platform to meet the specific needs of the business.
Responsibilities:
- Integration and Automation: Integrate ServiceNow with external systems, applications, and tools using REST/SOAP APIs, MID Server, and scripting languages like JavaScript. Automate processes and workflows to streamline IT service delivery and enhance operational efficiency.
- Testing and Documentation: Develop test plans, perform unit testing, and assist with user acceptance testing (UAT) to ensure quality and functionality of ServiceNow solutions. Create and maintain technical documentation, including design specifications, configuration guides, and process documentation.
- System Configuration: Configure ServiceNow modules, tables, fields, forms, views, notifications, and other system components to meet business needs. Define and maintain data models, access controls, and user roles within the ServiceNow platform.
- Develop and maintain ServiceNow applications using JavaScript, HTML, CSS, and other scripting languages.
- Data Governance, Data Reporting, Service Now Dashboards development, ITIL Process Architecture, Regulatory Systems and documentation Exp.
- Create and manage ServiceNow service Catalog items, workflows, and catalog tasks.
- Integrate ServiceNow with other systems and applications using APIs and web services.
- Platform testing, debugging, and troubleshooting of ServiceNow applications and workflows.
- Provide technical expertise and guidance to the ServiceNow development team.
- Stay updated with the latest ServiceNow features, releases, and best practices.
Requirements:
- Bachelor’s or Master’s degree in computer science or a related field.
- A background in software development, engineering, IT business administration, Agile/SAFE, databases, or similar.
- Strong experience in Service Now CMDB Development.
- CMDB - API based data integrations, CSDM 4.0, Service Now Discovery and ITOM experience, Cloud - AWS, Azure Discovery, Service Mapping Exp, IRE Exp.
- Proven development and delivery of Security & Risk/GRC development in client environments.
- ServiceNow CIS certification in Risk & Compliance, GRC.
- Experience with key technologies relevant to ServiceNow integration solutions including SSO, SAML, SSL, Web Services, LDAP, JDBC, ODBC, REST, SCP, FTPS.
- ServiceNow Certified System Administrator (CSA)
- ITIL Foundations Certification
- Quick learner, self-motivated and can work independently.
- Strong verbal, written communication skills and a collaborative problem-solving style.
Core Delivery
⮚ Planning & executing Functional/ Departmental Audits
⮚ Planning & executing Concurrent Audits and ensure the process is streamlined
⮚ Providing “Early warning signal” to the Central Audit Head based on irregularities observed during the audit
⮚ Planning & execution of special audits, field audits on a need basis
⮚ To ensure that the audits are performed completed as per the audit schedule
⮚ Assisting in preparation of the annual calendar for audits and ensuring compliance to the same
⮚ Coordinate with the auditee department to discuss audit reports, obtain
clarifications, and close audits
⮚ Planning & executing follow-up audits to verify compliance to audit reports
⮚ Execute management consultancy assignments, as needed
⮚ Overall demonstrate competency in being conscience keeper & pulse-taker of business trends
⮚ Manage the team & monitor multiple ongoing assignments
Reporting & Documentation
⮚ Submitting quality & relevant Audit-Reports on time
⮚ Supervising proper audit documentation including working papers by team members
⮚ Timely reporting of incident reports, process/ policy gaps.
⮚ Identifying early warning signals of fraud with required proof
Education: Graduate/ Any other relevant professional certifications in the fields of accounting auditing
⮚ Work Experience: At least 5+ years experience in Audit, of which 2+ years experience in a managerial position
Technical Skills
⮚ Computer Knowledge, good excel-spreadsheet analytics for audit proficiency
⮚ Audit proficiency in operating Accounting & ERP software
⮚ Numeracy and a strong aptitude for big data analyst
Credit cards haven't changed much for over half a century so our team of seasoned
bankers, technologists, and designers set out to redefine the credit card for you - the
consumer. The result is OneCard - a credit card reimagined for the mobile
generation. OneCard is India's best metal credit card built with full-stack tech. It is
backed by the principles of simplicity, transparency, and giving back control to the
user.
The Engineering Challenge
“Re-imaging credit and payments from First Principles”
Payments is an interesting engineering challenge in itself with requirements of low
latency, transactional guarantees, security, and high scalability. When we add credit
and engagement into the mix, the challenge becomes even more interesting with
underwriting and recommendation algorithms working on large data sets. We have
eliminated the current call center, sales agent, and SMS-based processes with a
mobile app that puts the customers in complete control. To stay agile, the entire
stack is built on the cloud with modern technologies.
Check out our apps here:
OneCard (Best credit card app) : www.getonecard.app
OneScore (5 million downloads): http://www.onescore.app" target="_blank">www.onescore.app
Security Compliance Lead
Opportunity:
Opportunity to build GRC practice grounds up for new Age Fintech startup, lead and
implement PCI-DSS, ISO-27001, RBI compliances
What you will do:
● Be SME for all applicable regulations, guidelines and industry best practices
to manage risk and ensure compliance.
● Be the single point of contact for all external entities related to Security and
Compliance communications.
● Owner for all security documentation such as policies, standards, and
procedures.
● Owner for driving security controls across all organisation functions.
● Build continuous assessment practice which is superset of all required
regulatory compliance.
● Manages and supports Information Security Risk Management Life-cycle for
the organization.
● Provide adequate security and compliance against specific standards such as
NIST 800-53, NIST 800-171, ISO 27001, SOX, PCI, HIPAA and other
regulatory requirements.
● Identifies and formally documents deviations from published standards,
estimates risk level, recommends appropriate mitigation countermeasures in
operational and non-operational situations.
● Identify potential areas of IT compliance vulnerability and risk; guide the
accountable stakeholders to develop/implement corrective action plans for
resolution, and provide general guidance on how to avoid or deal with similar
situations in the future. Risks should be identified, assessed and monitored on
an ongoing firm-wide and individual entity basis
Experience Range:
4-8 years of experience in Cybersecurity & Risk Compliance Domain in areas
including and limited to: System Security, Network Security , SOC, Risk &
Compliance Management
Technical Expertise:
● Auditing experience in ISO-27001, SOX, NIST, PCI-DSS
● Experience with AWS Security and Compliance.
● Prior experience in the Banking and Financial domain is nice to have.
● Proven experience in Endpoint Security, Network Security, SIEM,SOC
Advanced security tools – SOAR platform, Vulnerability Management, SIEM
● Experience building Threat Modeling practice
● Strong communication skills
Hiring for Lead Auditor (QMS / ISMS) role.
Job description Below :
- Preparation Dept. Objective reports.
- Preparation of Internal Audit Schedule & Coordination /opening meeting and closing meeting.
- Follow up for Internal Audit closing of Observations.
- Preparation of Management review meeting Input & Output reports.
- Coordination Certification Audit and Surveillance (TUV-SUD) Audit for ISO 9001:2015 and ISO 27001:2013.
- Follow up for closing of Observations.
- To update QMS & ISMS Manual, Procedures, Policies, Risk Assessment Plan, SOA & Formats.
- Internal Audit of ISO - QMS & ISMS standards.
- Understanding customer requirements and analyzing cases in alignment with policies
- Working with the policy team to ensure the right risk parameters are captured and assessed
- Understanding industry and regulatory trends and their impact on customers to ensure the right decisions are taken
- Working closely with business functions to onboard the right set of customers.
- Working closely with operations to ensure that documentation and checks are put in place at various stages of the application lifecycle
- Developing industry-best practices and constantly striving to improve the same, basis market practices
What you need to have:
- Bachelor’s Degree with relevant work experience of at least 3 years with CA/ MBA(preferred)
- 3-4 years of experience in handling credit risk assessment for unsecured business loans. Prior experience in the Lending domain, either with a Bank/ NBFC or a lending platform.
- Very good understanding of documentation related to lending pre-disbursement (mandatory)
- Experience in working on the lending business with a Bank, NBFC, or a platform (mandatory)
- Excellent understanding of industry trends and their impact on segments
- Setup basic credit underwriting processes and scale up the vertical
- Ability to assess customers' basic standard programs like Financials, Banking, etc.
- Proficient in MS Excel and the ability to bring out insights from data
Our client is more than 2 decades old NBFC registered with the RBI. The company was set up with an aim to empower rural entrepreneurs, SMEs, and small institutions by micro-financing. The company has come a long way since its inception in 1992 and has evolved with time with the introduction of its App in the small loans sector. At present, the company has more than 5000 employees and has serviced millions of borrowers to accomplish their dreams.
The group has diversified into the education segment and is running two schools. The schools are part of one of the largest private school chains in India. The schools have a flourishing family of 350 teachers and 6500 students. The leadership team at the helm of the company has demonstrable experience in financial services and has built the company by upholding the trust of its customers.
What you will do:
- Handling various business operations at state level including but not limited to divisions of sales, collection, credit, operations etc
- Creating a strategic roadmap and execution plan of the entire portfolio of microfinance institutions at the state level
- Developing a business plan for the state to open new branches, setting goals for customer & business growth (disbursement & loan outstanding) of new branches and monitoring them with the help of AMs
- Ensuring the customer and portfolio quality
- Ensuring that the monthly, quarterly and yearly business targets are achieved as per plan
- Studying and analyzing the market size, competition etc. of the assigned geography and reporting the findings and recommendations to the management
- Handling escalations/concerns raised at various levels be it internal or from external sources
- Guiding and overseeing the end-to-end activities involved in branch setup
- Recruiting the staff basis the hiring requirement of the branch
- Guiding and leading a team of specialists who will be handling MFI portfolios
- Participating and sharing insights and relevant feedback in the performance appraisal process with team members for their growth & development
- Working closely with internal as well as external stakeholders and also responsible for MIS preparation and reporting the same to the business in regular intervals
- Ensuring adherence to Audit / Compliance as per company Standards and also compliance of related rules, laws & regulations
Desired Candidate Profile
What you need to have:- Graduation is a must
- Relevant work experience of minimum 10 years in handling MFI portfolio is required
- Work experience of handling minimum 300 to 500 crore MFIs portfolio
- Excellent communication, analytical, listening and team handling skills
- Proficiency in MS Office Suite
Following are some of our key solution offerings · Risk Based IT Internal Audit · IT SOX 404 Controls Testing, Quality Assurance · IT Attestation (SOC1/SOC2/ISAE 3402, ISAE 3000 etc.) · Internal Financial Controls related to IT General Controls · IT General Controls as part of Financial Statements Audits · IT Risk & Control Self-Assessment · Business Systems Controls / IT Application Controls · Auditing Emerging Technologies such as Cloud, Intelligent Automation etc. Position: Associate Consultants/ Consultants/ Assistant Managers Location: Bengaluru .
Responsibilities
Industry Experience: · Plan and execute the day-to-day activities of IT audit engagements for clients, including system development, package implementation, SSAE 16 readiness assessments, and/or platform reviews within multiple industries · Evaluate the design and effectiveness of technology controls throughout the business cycle · Identify and communicate IT audit findings to senior management and clients · Help identify performance improvement opportunities for assigned clients Additional Responsibilities for Assistant Managers: · Supervise associates and interns on engagements · Serve as a liaison between financial services clients and upper management
Qualifications
· Engineering / MBAs with atleast 3 years of experience · Preference would be given to significant experience in relevant technical knowledge: (a) financial statement – IT Audits; (b) SSAE 18/ ISAE 3402 audits; (c) IT SOX engagements (d) Emerging Technology Risks
· Certified Information Systems Auditor (CISA), COBIT Foundation, ITIL Foundation, CISSP, CRISC would be an added advantage · Possesses extensive experience in at least two of the key solutions of IT Audit & Assurance · Prior experience in client facing / account management roles · Possess strong domain knowledge, understanding of IT processes supporting business and possible risks in operations of at least two industry sectors · Strong analytical and problem solving skills · Strong written and verbal communication skills · Ability to work well in teams · Ability to work under pressure – stringent deadlines and tough client conditions which may demand extended working hours · Willingness to travel within India or abroad for continuous long periods of time · Demonstrate integrity, values, principles, and work ethic and lead by example
The role of a Personal Loan Risk Head is to own, manage and communicate risk policies and processes. He/She shall provide hands-on development of risk models involving market, credit and operational risk, assure controls are operating effectively, and provide research and analytical support. Prospective candidates must have excellent quantitative and analytical skills, along with the ability to apply those skills across a variety of business processes.
Key Expectations
- Designing and implementing an overall risk management process for the Personal Loan portfolio, which includes an analysis of the financial impact on the company when risks occur
- Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company
- Own the portfolio risk metrics - Loss forecasting, Stress testing, Credit Risk, Liquidity risk, Collections performance & strategy & overall ROA by segment.
- Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.
- Monitor various operational metrics and develop alerting mechanisms to maintain process efficiency
- Designing and implementing strategies for Underwriting, Account Management, Portfolio Monitoring and Collections
- Develop risk based credit policies and pricing grids to maximize approvals within specific segments of risk
- Work with data science team which will develop algorithms and scorecards and drive decision models across various business segments.
- Partner with Engineering team to implement policies and scorecards.
- Supervise creation of time-sensitive analytics, visualisations, and complicated, high-visibility reports for Risk and Business management to use in portfolio monitoring and strategic decision-making.
Competencies -
- Have strong business understanding of the retail lending business in India and understanding of the regulatory landscape
- Should have hands-on experience working as data analyst or data scientist or statistical modeler in retail space, preferably in financial services or ecommerce.
- Strong experience in establishing and managing high-performing teams with a collaborative leadership approach.
- Outstanding communication skills, both verbal and written
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