Role & responsibilities

1. ORM Framework

- Administer and utilize specialized ORM tools to automate risk tracking, control testing, and reporting
- Collect and analyze internal/external operational loss data to identify root causes and prevent recurrence.
- Perform scenario analysis to assess the impact of low-frequency, high-severity events on lending operations.

2. Third-Party Risk Management (TPRM)

- Evaluate the operational resilience of third-party partners (Sourcing agents, Tech providers, Recovery agents).
- Assess risks associated with outsourcing arrangements, ensuring compliance with regulatory guidelines and internal risk appetite.
- Conduct periodic reviews of vendor performance and control environments to mitigate concentration and systemic risks.

3. Branch Risk Review & Field Audits





- Conduct periodic risk reviews of physical branches to ensure adherence to standard operating procedures (SOPs) for sourcing and collections.
- Validate the physical and digital security of loan documentation and sensitive customer data at the branch level.
- Identify localized risk trends and work with Branch Managers to implement corrective action plans.

4. RCSA & KRI Monitoring

- Execute the RCSA process for sourcing, credit assessment, and disbursement, tailor methodologies for SME and Retail products.
- Define and monitor KRIs (e.g., First Payment Defaults, documentation exceptions, turnover in critical roles).
- Translate complex risk data into actionable insights for senior management via dashboards.

📌 Operational Risk Analyst (Mumbai)
🏢 Incred
📍 Mumbai