Associate Risk

This role is for one of the Weekday's clients Salary range: Rs 1400000 - Rs 2800000 (ie INR 14-28 LPA) Min Experience: 2 years

Location: Bengaluru

JobType: full-time

We are seeking a detail-oriented and analytical Associate - Risk to join our dynamic risk management team. This role is ideal for professionals with a strong foundation in credit risk and portfolio analytics, coupled with hands-on expertise in SQL. You will play a critical role in monitoring portfolio performance, identifying emerging risks, and supporting data-driven decision-making to optimize credit strategies.

Requirements Key Responsibilities:

• Conduct in-depth portfolio performance analysis to track key risk indicators, identify trends, and highlight early warning signals across lending portfolios.
• Develop, maintain, and enhance dashboards and reports that provide actionable insights into portfolio health, delinquency trends, and credit quality.
• Perform credit risk analysis by evaluating borrower behavior, creditworthiness, and risk segmentation to support underwriting and policy decisions.
• Utilize SQL to extract, manipulate, and analyze large datasets from multiple sources, ensuring data accuracy and consistency.
• Collaborate with cross-functional teams including underwriting, collections, and product teams to align risk strategies with business objectives.
• Design and implement risk monitoring frameworks, including scorecards, segmentation models, and performance tracking tools.
• Analyze the impact of policy changes on portfolio performance and recommend improvements based on data insights.
• Support stress testing and scenario analysis to assess portfolio resilience under varying economic conditions.
• Identify process inefficiencies and contribute to automation initiatives to improve reporting and analysis workflows.

Required Skills & Qualifications:

• 2 to 6 years of relevant experience in risk analysis, preferably within banking, NBFCs, fintech, or financial services.
• Strong understanding of credit risk principles, including underwriting, risk assessment, and portfolio monitoring.
• Advanced proficiency in SQL for data querying, transformation, and analysis.
• Proven experience in portfolio performance analysis, including tracking KPIs such as delinquency rates, roll rates, and loss metrics.
• Strong analytical and problem-solving skills with the ability to interpret complex datasets and translate findings into business insights.
• Proficiency in Excel and familiarity with data visualization tools (e.g., Power BI, Tableau) is a plus.
• Knowledge of statistical techniques or programming languages such as Python or R is an added advantage.
• Excellent communication skills with the ability to present insights to both technical and non-technical stakeholders.

Preferred Attributes:

• Detail-oriented mindset with a high degree of accuracy.
• Ability to work in a fast-paced, data-driven environment.
• Strong ownership and accountability for deliverables.
• Curiosity and eagerness to continuously learn and improve risk frameworks