Job Description:

Risk:Credit Risk-II Team
INTERNAL USAGE:
No. of Vacancies: Reports to:
Is a Team leader? N Team Size:
Grade: M-AVP
Business: Corporate Center Department:� Risk Sub-Department: -
Location: CO
About Risk
The Risk department ensures that the Bank�s risk is managed through a risk management architecture as well as through policies and processes approved by the Board of Directors encompassing independent identification, measurement and management of risks across the various businesses of the Bank. The Risk department of the Bank strives to proactively anticipate vulnerabilities at the transaction as well as at the portfolio level, through quantitative or qualitative examination of the embedded risks.
About the Role

Primary focus of the role is to manage End to End Collateral Risk for the Product(s) under purview. The role entails management of the Collateral Risks for different Products, while ensuring that assigned Key Risk Indicators (KRIs) are within parameters stipulated by the Bank. The role involves use of data and analytical insights in tandem with robust process and policy frameworks to monitor, measure and mitigate Key Risks pertaining to the said Product(s). The role encompasses Competitive benchmarking, market information and knowledge of key regulations governing the said Product(s); in addition to line and policy formulation functions for these product(s).

The Credit Risk Team is also responsible for the following: Assist in managing credit risk of Axis Bank commercial banking portfolio through analytical support, Track early warning signals, root-cause analysis, covering Business Segments, Sector and Groups. Liaise with stakeholders, Business managers,



credit managers to understand Business problem, Conceptualize the analytical approach with respect to the stated Business/risk objective that will help deliver analytical solution in the Risk domain, Work under the guidelines provided by top management on key risk and control parameters through analytical interventions
Key Responsibilities

� Assist in taking� suitable risk actions and interventions� through analytical support

� Create cutting-edge variables that can predict risk��

� Draft and manage credit parameters and formulating policies for Micro finance loans.

� Manage risk for MFI business.

� Portfolio monitoring and setup various early warning signals�

� Identify risky pockets where Credit Risk is being observed. Responsible for managing end-to-end risk of the portfolio

� Liaise with stakeholders, Business managers, Credit Managers for portfolio monitoring

� Guide/ mentor junior team members

� Rating confirmation of proposals

� Ensure the risk levels are well within benchmark by taking suitable risk actions and interventions.

� Proactive in identifying risks, early warning signals and take necessary corrective actions ensuring delinquencies �are within acceptable limits.

� Roll out and support Business initiatives for specific Collateral (s)



or markets. It involves review and recommendation of changes to existing product policy norms.
Qualifications

Optimal qualification for success on the job is:

� Education (formal degrees, certifications)

� 5-7 years of experience in a relevant role

� Hands on experience in operations of transaction systems of the Bank
Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

� Knowledge of key processes of data capture and flow

� Knowledge of the use of data elements for internal / external reporting and analytics.

� Analytical bent of mind, penchant for working with data and numbers�

Skills:

Refer to the Job Description

About Company:

Axis Bank is the third largest private bank in India, serving ~59 million customers with a workforce of over 104,400 employees as on March 31, 2025. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. As on March 31, 2025, The Bank has a large footprint of 5,876 domestic branches, 13,941 ATMs and cash recyclers, with close to 47% branches in rural and semi-urban region. The Bank's overseas operations encompass eight international offices, including branches in Singapore, Dubai (at DIFC), and Gift City-IBU. There are also representative offices in Dhaka, Dubai, Abu Dhabi, and Sharjah. The international offices focus on Corporate Lending, Coverage Business, Trade Finance, Syndication, Investment Banking, Liability Businesses, and Private Banking/Wealth Management offerings.

📌 Risk:Credit Risk-II Team (Mumbai)
🏢 Axis Bank
📍 Mumbai