1,262 Banking Risk jobs in India

You will be responsible to interpret and document business requirements and advise business stakeholders on options, risks and costs. You will participate in the development of processes and approaches according to JPMChase standards. Assist in designing and ensuring overall integrity of the testing / validation strategies and ensure that requirements documentation can be easily translated into test plans. Work with the business to ensure the testing results correspond to the business expectations. Manage testing resources that support Risk Execution & Strategy book of work.
- Bachelor degree in Business or related field and/or experience
- 5 years of User Acceptance Testing, project and/or Project Management in IT or Business environment; Consumer banking/credit card experience preferred, but not required
- Intermediate to advanced experience with test planning, test execution and defect management
- Solid understanding of Project Management methodologies and deliverables; experience in Project Management is desired
- Experience with project risk assessments and the communication of these assessments
- Experience with Agile and waterfall software development methodologies
- Extensive experience testing in a Unix operating system, working with command line
- Advanced skills in writing SQL queries
- Expertise using HP ALM for test management
- Experience working in an agile framework using JIRA
- Consumer banking/credit card experience is a plus
- Intermediate to Advanced MS Excel, PPT, Word, Project skills
- Strong verbal and written communication skills as well as effective meeting facilitation skills
- Outstanding in-person and virtual team skills are a MUST while also being able to work independently
- Strong relationship and/or client management skills
- Ability to influence and negotiate across a wide variety of stakeholders to achieve desired outcomes
- Able to manage time effectively, prioritize and escalate appropriately
- Strong attention to detail, follow-through and results orientated
- Executes small less complex testing tasks or projects
- Communicates regularly with project and testing management on progress and status
- Creates and executes test cases/scripts
- Prepare data for the testing as requested
- Track and report on execution and defects
- Acts with a sense of urgency
- Proactive, strong attention to details
- Effectively remediates issues by engaging appropriate resources to mitigate risk with a sense of urgency; solution focused
- Strong attention to detail, follow-through and results oriented
- Able to manage time effectively, prioritize and escalate appropriately
- High degree of initiative and autonomy but must be able to function successfully as part of a team (in person and virtual)
- Honed consulting, influence, and negotiation skills to achieve desired outcomes
- Innovative and creative thinker; able to generate new ideas; forward-thinker; thought-leader
- Excellent judgment and decision making
- Ability to resolve conflict & facilitate decision-making
- Flexible, process-oriented, organized, with excellent analytical & troubleshooting skills
- Intermediate with project management skills
- Strong organizational and multitasking skills
- Strong verbal and written communication skills as well as effective meeting facilitation and presentation skills

JPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Senior Associate, Specialist, Credit Approval (Business Banking), Risk Management Group-(WD74655)

Primary Location

:India-Maharashtra-Mumbai

Job

:Risk Management

Schedule

:Regular

Employee Status

:Full-time:

Job Posting

:Jun 9, 2025, 6:30:00 AM

Our client, a leading financial institution, is seeking a Senior Credit Risk Analyst to join their growing team. This role is vital in assessing and managing credit risk across the organization, ensuring the soundness of the loan portfolio. The ideal candidate will possess strong analytical skills, a comprehensive understanding of credit principles, and experience in risk modeling and assessment.

Responsibilities:

• Analyze financial statements and credit data to assess the creditworthiness of borrowers.
• Develop and maintain credit scoring models and risk assessment frameworks.
• Monitor loan portfolio performance and identify potential areas of concern.
• Prepare credit reports and recommendations for loan origination and portfolio management.
• Conduct industry and economic analysis to inform credit risk assessments.
• Ensure compliance with regulatory requirements and internal credit policies.
• Collaborate with lending teams to structure credit facilities appropriately.
• Monitor key risk indicators and provide timely reporting to senior management.
• Contribute to the development and enhancement of risk management tools and processes.
• Stay informed about best practices and emerging trends in credit risk management.

This Hybrid role offers a balance of office-based work in Dehradun, Uttarakhand, IN and remote flexibility. We are looking for a candidate with a strong quantitative background and excellent attention to detail. A Bachelor's degree in Finance, Economics, Statistics, or a related field is required. At least 5 years of experience in credit analysis, risk management, or a related banking function is essential. Proficiency in statistical software and advanced Excel skills is highly desirable. Strong understanding of financial markets and various credit products is necessary. Excellent communication and presentation skills are important for conveying complex risk assessments to diverse audiences. The ability to work independently and as part of a team is crucial. This is an excellent opportunity to play a key role in safeguarding the financial health of the institution and to develop your expertise in credit risk.

TRANSACTION BANKING

We aim to build a modern and digital-first transaction banking solution to serve our clients. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-up. Our goal is to provide a best-in-class digital product that helps clients to succeed by giving them a holistic view of their business. Through the use of modern technology built on the cloud, we are the alternative to legacy platforms. We provide our clients a simple, intuitive, secure, and frictionless experience for domestic, cross-border and cross-currency payments. Simplifying payments, making it just as easy to pay someone across the globe as it is to pay someone around the corner. We’re a team of diverse experts helping our clients to build the future of their Treasury.

RESPONSIBILITIES

We are seeking a highly motivated, intellectually curious and analytical Risk Analyst to join the First Line of Defence Risk team withing Transaction Banking (TxB). 

This is an excellent opportunity for a recent university graduate with a strong quantitative background to work in a very dynamic team and embark on a career in risk management. 

As a Risk Analyst, you will play a crucial role in identifying, assessing, and mitigating a broad spectrum of risks that could impact our organization's objectives. This position offers a unique opportunity to gain exposure to various risk domains without focusing on a single area, providing a comprehensive understanding of enterprise-wide risk management, naming Operational, Client, Credit, Fraud, Activity Monitoring, Regulatory and Financial risk. 

Key Responsibilities:

Assist in the identification, assessment, and mitigation of risks across the organization

Support the development and maintenance of risk management policies and procedures

Conduct data analysis to support risk assessments and reporting

Work collaboratively with cross-functional teams to gather input in risk assessments

Prepare reports and presentations on risk analysis findings for management or for submission to the regulators

Conduct research on emerging risks, industry trends and best practices 

Contribute to the continuous improvement of risk management processes and tools

Participate in ad-hoc risk projects and initiatives, providing analytical support and perspective 

Qualifications and Skills:

Prior experience in risk management or analytical role is desirable

A strong interest in risk management and a desire to learn and grow in the field

A recent university graduate with a bachelor's or master's degree in a quantitative field such as Mathematics, Statistics, Economics, Finance, or a related discipline

Proactive and detail-oriented individual with a passion for problem-solving

Strong qualitative and analytical skills, with the ability to interpret complex data and identify trends

Proficiency in data analysis tools (., Excel, SQL)

Excellent written and verbal communication skills

Meticulous attention to detail and accuracy in all work output

Ability to work effectively both independently and as part of a team

ABOUT GOLDMAN SACHS

At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. 

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at /careers. 

We're committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process.

Roles and Responsibilities

Hiring for a Leading Private Sector Bank

Roles and Responsibilities :-

Handling Regulatory Compliance for the Bank covering various regulations of SEBI, PFRDA, NSDL, CDSL, NSE, BSE etc.

Handling Compliance with above mentioned regulations pertaining to business of Custodian, DP, DDP, Pension Fund, Merchant Banking Business of the Bank.

Circulating action points arising out of regulatory circulars/ notifications/ communications and pro-active follow up with the stakeholders ensuring timely implementation of the same.

Reviewing existing and new processes and handling correspondences with the regulators on Compliance related matters.

Handling Onsite Regulatory Inspections of SEBI, PFRDA, NSDL, CDSL, NSE, BSE, etc.

Providing clarifications on queries raised by stakeholders within the Bank and from Group entities on Compliance related matters.

Drafting and vetting of various submissions to be made to the ACB/Board.

Submission of various regulatory reports from time to time.

Key Responsibilities:

Assist in the implementation and maintenance of the company's compliance framework, policies, and procedures, ensuring they align with sectorial regulations and firmwide requirements.

Stay up-to-date with changes in regulatory requirements and industry best practices in India, advising relevant teams on their impact.

Provide guidance and training to employees on compliance-related matters, including new policies and regulatory updates.

Collaborate with various departments, such as Business, legal, operations, and IT, to ensure compliance is integrated into business processes.

Assist in managing and responding to regulatory inquiries and inspections.

Maintain accurate and organized compliance documentation and records.

Assist in the preparation and submission of accurate and timely regulatory reports to relevant authorities and internal stakeholders.

Support and coordinate the preparation for internal, statutory, and external audits, including gathering required documentation and responding to audit queries.

Qualifications: 

5+ years of professional experience at a financial institution in India dealing with SEBI, BSE, NSE or RBI and other local regulators on compliance matters.

Bachelor's degree in Finance, Law, Business Administration, or a related field. Preferably a qualified Company Secretary or a degree in Law would be preferred.

Experience in implementing and maintaining compliance programs, including drafting, amending, designing and implementing appropriate policies, procedures, training and controls.

Experience in conducting internal investigations and guiding / advising on internal conduct issues.

Knowledge of SEBI rules and regulations and experience in responding to inquiries from and managing investigations by SEBI and other local regulators.

Skills:

Should independently work with regulators and internal teams. 

Ability to work with various departments and build smooth working relationships

Knowledge of Indian industry standards, laws, and regulations.

High level of integrity and ethical conduct. Detail oriented.

Strong analytical, problem-solving, and critical thinking abilities, with meticulous attention to detail.

Excellent written and oral communication skills, with the ability to present complex information clearly and professionally.

Ability to work independently and collaboratively in a fast-paced environment, managing multiple tasks and prioritizing effectively to meet deadlines.

ABOUT GOLDMAN SACHS

At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at /careers.

We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process.

Roles and Responsibilities Key Responsibilities

Delinquency & Portfolio management - Maintain the portfolio and bounce metrics at acceptable levels and propose

measures to control the same.

Participating and contributing in building and maintenance of Score Cards and BRE.

Monitoring and enriching the applications through third party sources like Perfios, Total KYC, Bureau, NSDL, UIDAI

and explore various other APIs which will help in underwriting and taking accurate decisions.

Identification and management of high risk accounts through Bureau scrub etc., to ensure that loan losses are

minimal and maintained within budgets

Developing and Conducting COPR (Credit & operation process review) process to minimize operational & process

risk and sharing observations/ corrective action required with UW teams for continuous improvement and learning

Maintain portfolio quality through sound management of credit policies, development, maintenance, and

execution of appropriate credit MIS for portfolio monitoring

To put robust bureau MIS and analysis in place.

Experience in setting up Risk Appetite and monitoring the same for large project.
- Experience in conducting RCSA, KRI, Loss detection as part of Operational Risk Management for Banks and Financial services.
- Should have a work experience with a total of 15 years and above, including a Consulting role of at least 8 to 10 years. Any earlier experience of having worked in a Banking industry is a plus.
- Experience of being a lead with the Risk Practice or a Center of excellence within an IT industry is an added advantage
- Should have experience in the areas of Technology transformation solution design, product implementation delivery in the area of technology fulfillments for Risk Management related Regulatory computations & reporting requirements
- Experience of managed practice initiatives, supported business development through client demos, showcase of capabilities of the practice/COE, estimation & pricing computations
- Should have lead & managed teams, responsible for their trainings related to work performance enhancements, manage their productivity, career aspirations, growth & direction setting at work related to client engagements
- Should have immense exposure to client interactions at senior management level, with inspiring thought leadership & excellent communication skills.

**Primary Skill**:

- Knowledge of Banking regulations across multiple jurisdiction specific Regulatory guidelines like Basel Regulatory Capital, IFRS9/IFRS17 etc.
- Knowledge and experience in the area of risk modeling will be a plus. Participated in the implementation of sophisticated financial/risk models in live operating environments
- Experience of working in a Bank, Consulting or Technology implementation firm; Experienced in designing and delivering complex solution for Banks and financial institutions
- Hands-on experience on Interpreting data, analyze results and provide ongoing reports; Ability to analyze large datasets
- Strong analytical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy
- Good stakeholder management skills
- Should have strong communication and presentation skills.
- Flexible and constructively critical attitude, strong analytic mind-set, result oriented

**Secondary Skill**:

- To have exposure to either a product development or a product implementation life cycle, is desirable
- Experience with business analysis methodologies and applicable IT architectures;
- Experience working in agile environment
- Data and system analysis to support the business and testing requirements
- Strong analytical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy
- Adapt at queries, report writing and presenting findings
- Knowledge of Regulatory Reporting tools like Axiom, OBIEE is an added advantage.

Our client, a distinguished institution in the Banking and Finance sector, is seeking a highly analytical and detail-oriented Senior Risk Analyst to join their team in Chandigarh, Chandigarh, IN . This is a crucial, office-based role focused on identifying, assessing, and mitigating a wide range of financial risks. You will play a key role in developing and implementing robust risk management frameworks, policies, and procedures across the organization. Your responsibilities will include conducting comprehensive risk assessments, analyzing market trends, credit risks, operational risks, and liquidity risks, and developing strategies to minimize potential losses. The ideal candidate will possess a strong quantitative background, excellent analytical skills, and a deep understanding of financial markets and instruments. Proficiency in risk modeling software and data analysis tools is essential. You will be responsible for preparing detailed risk reports, presenting findings to senior management, and ensuring compliance with regulatory requirements (e.g., Basel Accords). A proactive approach to identifying emerging risks and recommending effective control measures is highly valued. This position requires strong communication and collaboration skills, as you will work closely with various departments, including trading, compliance, and operations. Your expertise will be instrumental in safeguarding the financial health and stability of the organization.
Responsibilities:

• Identify, assess, and monitor various financial risks, including market, credit, operational, and liquidity risk.
• Develop and implement risk management strategies, policies, and procedures.
• Conduct quantitative and qualitative risk analyses using appropriate tools and methodologies.
• Build and maintain risk models, including stress testing and scenario analysis.
• Prepare comprehensive risk reports and present findings to senior management and relevant committees.
• Ensure compliance with all applicable regulatory requirements and industry best practices.
• Collaborate with business units to understand their risk profiles and provide guidance on risk mitigation.
• Monitor key risk indicators (KRIs) and implement early warning systems.
• Investigate and analyze risk incidents, recommending corrective actions.
• Contribute to the development and enhancement of risk management systems and frameworks.

Qualifications:

• Bachelor's or Master's degree in Finance, Economics, Mathematics, Statistics, or a related quantitative field.
• Minimum of 5 years of experience in risk management within the banking or financial services industry.
• Strong understanding of financial markets, instruments, and risk management principles.
• Proficiency in risk modeling techniques and statistical analysis.
• Experience with risk management software and tools (e.g., SAS, R, Python, SQL).
• Excellent analytical, problem-solving, and critical thinking skills.
• Strong written and verbal communication abilities.
• Ability to present complex information clearly and concisely.
• Knowledge of regulatory frameworks such as Basel III is highly desirable.
• Professional certifications like FRM or PRM are a plus.

This is an excellent opportunity for a skilled risk professional to make a significant contribution to a leading financial institution.