Duties and Responsibilities

- Credit Risk Support

- Assist in monitoring retail and wholesale loan portfolio performance.

- Analyse delinquency trends and portfolio movements.

- Support monitoring of portfolio concentration by geography, product, dealer, and customer segment.

- Assist in maintaining risk dashboards.

- Portfolio Analytics

- Prepare reports on: Portfolio growth, Vintage analysis, Roll Rate analysis, Collection performance, Recovery trends

- Validate portfolio data received from Business and Operations.

- Early Warning Signal (EWS)

- Assist in monitoring Early Warning Indicators.

- Track trigger breaches.

- Coordinate with Business, Credit, Collections, and Operations teams for required data.

- Enterprise Risk Support

- Maintain Enterprise Risk Register.

- Assist in enterprise-wide risk assessment exercises.

- Record identified risks and mitigation plans.

- Operational Risk

- Assist in maintaining: Incident Register, Loss Event Database, Key Risk Indicators (KRIs)

- Risk & Control Self-Assessment (RCSA) documentation

- Track closure of operational risk action items.

- Regulatory & Governance Support

- Assist in preparation of presentations for: Board Risk Committee , Management Risk Committee, Internal Management Reviews

- Maintain repository of approved policies and risk documents.





- Policy & Documentation

- Support preparation and periodic review of: Risk Management Policy, Risk Appetite Framework, SOPs, Risk Manuals

- Reporting

- Prepare periodic reports including: Daily Portfolio Report, Weekly Risk Dashboard, Monthly Risk MIS, Delinquency Report, Collection Trend Analysis, Portfolio Quality Report

Knowledge and Skills

- In-depth understanding of dealer financing, wholesale credit structures, and auto market risks

- Expertise in credit risk, operational risk, enterprise risk, and regulatory compliance

- Strong grasp of

RBI’s NBFC regulatory workplace including fair practices, capital adequacy, and risk-based supervision

- Strategic thinking, board-level communication, and leadership presence

- Familiarity with risk modeling, early warning systems

, and technology-based risk tools

Education and Experience

- MBA/PGDM in Finance or Economics , or related fields from a reputed institute

- Automotive Captive Finance or OEM Leadership Sales Experience (Captive finance experience preferred)

- 4+ years’ experience in Leadership roles in

NBFC, captive finance, or wholesale banking

,

- Prior experience in the risk framework in a

NBFC is a strong advantage.

📌 Risk Associate (Gurugram)
🏢 Hyundai Capital India
📍 Gurugram