Risk Management Analyst / NBFC Lending_0 To 2 years
- Kiya.ai
- 0 - 2 years
- Chennai
- 16 days ago
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Job Description
Job Details
Experience : 0-2 years
Role: Risk Analyst Credit Risk
Location: Chennai ( Only chennai based profiles )
Department: Risk Management / Credit Risk
Industry: NBFC / Financial Services / Lending
/** Note : Only immediate to short joiners will be contacted for further interview process **/
About the Role
We are hiring a Risk Analyst to support credit risk assessment, portfolio monitoring, and risk reporting for a leading NBFC. This role is ideal for candidates who are strong in advanced Excel, financial statement analysis, and risk analytics, and who can convert data into actionable insights for business and senior management.
You will work closely with underwriting, collections, and senior stakeholders to ensure data-driven risk decisions and effective credit controls.
Key Responsibilities
1 Credit Assessment & Underwriting Support
- Assist in preparation of credit notes and risk assessment memos
- Analyze borrower financial statements, cash flows, ratios, and peer benchmarks
- Identify early risk indicators and red flags during credit evaluation
2 Portfolio & Exposure Monitoring
- Track and analyze portfolio performance metrics:
- DPD, PAR, roll rates, write-offs, cure rates
- Collection efficiency and delinquency trends
- Highlight emerging risks across products, geographies, and customer segments
- Support proactive risk mitigation initiatives
3 Data Analysis & Reporting (Advanced Excel)
- Build and maintain Excel-based models, scorecards, and MIS dashboards
- Work extensively on:
- Pivot Tables
- XLOOKUP / VLOOKUP
- INDEX-MATCH
- SUMIFS, IF, nested formulas
- Ensure accuracy, consistency, and timeliness of risk reports
4 Stakeholder Communication & Documentation
- Present analytical findings as clear insights and actionable recommendations
- Support senior management with risk summaries and dashboards
- Maintain structured documentation, meeting minutes, and decision logs
- Demonstrate strong listening skills to understand business context and risk concerns
Required Skills & Competencies
- Advanced proficiency in Microsoft Excel
- Strong understanding of credit risk concepts
- Working knowledge of financial statements & financial analysis
- Analytical mindset with attention to detail
- Good communication, documentation, and stakeholder management skills
Qualifications (Preferred)
- Bachelors degree in Finance, Accounting, Economics, Commerce, or Management
- Experience in NBFC / Banking / Lending / Credit Risk domain is an advantage
Why Join Us?
- Work with a reputed NBFC and exposure to real-world credit risk decisions
- High learning opportunity in credit underwriting & portfolio analytics
- Collaborative risk and business environment
- Clear visibility with senior management
How to Apply
Interested candidates can apply directly here.
Job Classification
Industry: IT Services & ConsultingFunctional Area / Department: BFSI, Investments & TradingRole Category: LendingRole: Risk AnalystEmployement Type: Full timeContact Details:
Company: Kiya.aiLocation(s): Chennai
Keyskills: Financial Analysis Lending Portfolio Monitoring Risk Analyst Credit Assessment NBFC Underwriting Credit Risk Credit Risk Analyst Risk Management
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