Infosys Hiring for-Financial Risk Strategy & Analytics Manager-BNGLR

Greetings from Infosys BPM Ltd.,

We are hiring for Financial Risk Strategy & Analytics Manager Domain for Bangalore.

Please find below Job Description for your reference:

Job Location: Bengaluru

Qualification: Any Graduate (Full Time)

Total years of Experience: 8-10 Years relevant experience

Notice Period: Immediate to 15 Days Only

Shift: Flexible to work for any shift

Work From Office is mandatory.

Type: Individual contributor

Note: we are looking for Financial Risk Strategy & Analytics Manager.

About The Role:

Looking for a Manager to join our Risk team as a key individual contributor. In this role, you will be the analytical engine behind our financial risk management, owning the models, forecasts, and reporting that safeguard portfolio.

Working closely with Finance, Product, and Data teams, you will turn complex data into actionable insights, ensuring our growth is resilient and compliant.

Financial Risk Governance & Oversight:

• Decision Governance: Support robust decision governance for key business decisions with Financial Risk impact, from impact assessment to the documentation of the risks, mitigations, and final decision.
• Effective Challenge: Provide "effective challenge" on decisions impacting financial risk, such as model development and performance monitoring activities by Tech/Data Science, financial risk-related inputs to stress testing provided by first-line teams, or new product or marketing initiatives proposed by Product.
• Risk Appetite: Support the establishment and monitoring of Banks financial risk appetite. This would include recommending metrics and associated targets, tolerances, and limits; and supporting/driving the financial risk appetite approval process by senior leadership and the board.
• Policy: Support the governance of all financial risk policies across product portfolios, monitor for behavior trends and shifts, and use monitoring results to recommend and implement immediate changes, such as tightening credit limits.

Financial Risk Analytics & Forecasting:

• Portfolio Monitoring: Lead the monitoring of portfolio health, identifying emerging trends and risks through rigorous analysis of internal performance data and external macroeconomic indicators. Recommend risk reduction strategies/actions to ensure Bank is staying within its risk appetite.

• Impact Assessment: Partner with Credit Strategy, Data Science (Tech), Product, and Marketing to assess the credit risk impact of new initiatives, quantifying potential effects on delinquency, losses, and provisions before launch.

• Forecasting & Provisioning: Support/own the development and execution of short- and long-term delinquency and loss forecasting models. Calculate Expected Credit Loss (ECL) and drive the monthly provisioning process in strict accordance with IFRS 9 standards.

• Stress Testing: Design and execute comprehensive stress testing scenarios to assess portfolio resilience under various scenarios.
• Non-Credit Financial Risk Monitoring & Reporting: Develop and maintain monitoring and reporting frameworks for non-credit financial risks, including fraud, interest rate, market, and liquidity risk. Perform a second line of defense role in understanding and challenging the data, models, and assumptions used in risk assessments.

Cross-Functional Collaboration & Insight Generation:

• Reporting & Insights: Produce high-quality reporting for the Board and senior leadership, translating complex analytical results into clear, strategic recommendations.
• Data Strategy: Collaborate with Data Analytics and Data Science to enhance data pipelines and infrastructure, identifying new data sources, and ensuring the integrity and availability of risk data.
• Strategic Partnership: Work closely with Finance on capital planning and economic forecasting, and with Product to optimize credit strategies based on risk-adjusted returns.

Experience & Education:

• 8- 10+ years of experience in financial risk management, with deep hands-on experience in retail lending and credit risk analytics.
• Education: A Bachelors or Masters degree in a quantitative field (e.g., Mathematics, Statistics, Economics, Finance, Engineering) or equivalent practical experience.

Skills & Competencies:

• Technical Expertise: Strong proficiency in SQL, Python, or SAS for data manipulation and modeling. Solid understanding of credit underwriting and portfolio monitoring for retail lending, preferably in the credit cards, buy-now-pay-later, personal loans, and/or auto lending spaces. Knowledge of IFRS 9 standards and ECL methodologies preferred.
• Analytical Rigor: You can independently build complex models, perform root cause analysis, and quality-check your own work to a high standard.
• Risk Knowledge: Familiarity with market and liquidity risk concepts, ALM (Asset Liability Management), and stress testing frameworks preferred.
• Communication: You can tell a story with data, clearly explaining technical risk concepts and their business implications to non-technical stakeholders.
• Builder Mindset: You are comfortable working in a fast-paced environment where you often need to build tools and processes from scratch.

If interested, please share your Updated Resume with below details to [email removed].

Name:

Email & Mobile Number:

Graduation:

Date Of Birth:

Post-Graduation: (If applicable):

Total experience:

Relevant experience:

Current/Previous Company name:

Current CTC:

Expected CTC:

Notice period:

Current location:

Thanks & Regards,

Infosys Recruitment Team.