719 Credit Risk Management jobs in India

**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
American Express' Third Line of Defense (3LOD), has established a new Credit Risk Review function which is responsible for providing independent oversight and assurance to key Consumer & Commercial credit risk portfolios. The team aims to strengthen our risk management framework and ensure that we continue to uphold the highest standards of credit risk management across the enterprise.
This Credit Risk Review function would be supported by a strong Data Analytics team to enable data-driven and technology-led assurance. We are looking for a dynamic & tenured leader to lead & oversee this Data Analytics team within Credit Risk Review on the 3LOD. This individual will play a key role in enabling deeper, more forward looking reviews through scalable analytics, thematic insights & strong stakeholder management.
**Key Responsibilities**
+ Lead a team of ~10 colleagues (including managers and analysts) to deliver analytics solutions that enable and enhance credit risk reviews across portfolios
+ Drive portfolio level analytics to assess credit quality, risk concentrations, underwriting trends & alignment with risk frameworks
+ Enable thematic reviews and early risk identification by applying analytical techniques to structured & unstructured data
+ Design & oversee development of dashboards, visualizations, and automated tools to support review execution & reporting including executive level
+ Collaborate closely with credit reviewers, and cross functional stakeholders to frame analytic approaches, interpret results & co-develop narratives
+ Ensure analytics are well documented, repeatable and governed in line with internal standards and governance protocols
+ Encourage & support experimentation and innovation in applying AI/ML, including Natural language Processing and Gen AI to automate delivery & uncover deeper insights
+ Contribute to building a team culture of learning, experimentation, & analytical excellence
+ Champion career growth, skill development and engagement for team members through targeted coaching & training initiatives
**Qualifications**
+ 8 years' experience in experience in credit risk, data analytics, internal audit, or related fields; commercial and/or retail credit exposure preferred
+ Proven track record in leading & inspiriting diverse, multi-level teams (including managers) to deliver high impact results
+ Experience in portfolio analytics, including segmentation, risk concentration analysis, and forward looking risk indicators
+ Ability to shape and execute multi-year analytics roadmaps, aligned to organizational risk strategy
+ Proven influence at senior stakeholder levels to secure alignment, resources, and cross functional collaboration
+ Strong technical skills in Data analytics, coding & automation (e.g., SQL, Hive, Big Query, Python)
+ Working knowledge of Machine learning techniques including Natural Language Processing and Gen AI applications
+ Hands on experience with Data Visualization tools and Dashboarding (Tableau, Power BI) with a focus on compelling, audience-oriented storytelling
+ Effective storytelling and ability to translate complex data outputs into clear, actionable insights tailored to credit risk reviewers and non-technical audiences
+ Experience applying analytics to risk assessment, issue identification, or internal reviews in a regulated environment
+ Familiarity with working in a control-oriented environment with clear documentation and governance expectations
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Data Mgmt and Analytics
**Primary Location:** India-Haryana-Gurgaon
**Schedule** Full-time
**Req ID:**

Your potential, unleashed.

India’s impact on the global economy has increased at an exponential rate and Deloitte presents an opportunity to unleash and realize your potential amongst cutting edge leaders, and organizations shaping the future of the region, and indeed, the world beyond.

At Deloitte, your whole self to work, every day. Combine that with our drive to propel with purpose and you have the perfect playground to collaborate, innovate, grow, and make an impact that matters.

Work you’ll do

In our team you’ll build and nurture positive working relationships with teams and clients with the intention to exceed client expectations. You’ll:

• Develop and validate risk measurement models for credit, market and liquidity risk
• Build frameworks to ensure regulatory compliance (Basel, LIBOR transition, Risk Based Supervision, IFRS9, IFRS17 etc.)
• Implement regulatory change programs
• Design and implement capital management strategies and tools
• Develop and validate risk measurement models for credit risk management covering:
• Credit rating / scoring methodologies
• Basel IRB models (PD, LGD, EAD etc.)
• Stress Testing/CCAR models
• IFRS9/USGAAP Impairment models

Skills

• Strong knowledge of Market Risk Concepts and metrics (VaR/Value at Risk, Risk Sensitivities, FRTB, IRRB and Market Risk Quant)
• Basel, SAS, Reg Reporting and System implementation.
• Process improvisation using VBA/R/Python
• Stakeholder management and Query handling
• Knowledge of risk management strategies – including derivative (Futers/Forwards, Options, Swaps)
• Stress testing and Scenario Analysis
• Valuation and Independent Price Verification
• Knowledge on Regulatory banking risk management guidelines, risk management practices
• Understanding of market risk infrastructure (Market Risk/Model Risk), Knowledge of SQL, R, Python, VBA etc.
• Academic qualifications – Post graduate degree with CFA/FRM preferable; or qualified CFA/FRM with a Graduate Degree

How you’ll grow

Connect for impact

Our exceptional team of professionals across the globe are solving some of the world’s most complex business problems, as well as directly supporting our communities, the planet, and each other. Know more in our Global Impact Report and our India Impact Report .

Empower to lead

You can be a leader irrespective of your career level. Our colleagues are characterised by their ability to inspire, support, and provide opportunities for people to deliver their best and grow both as professionals and human beings. Know more about Deloitte and our One Young World partnership.

Our client, a prominent financial institution, is seeking a detail-oriented and analytical Financial Analyst specializing in Risk Management to join their team in **Indore, Madhya Pradesh, IN**. This critical role involves assessing, monitoring, and mitigating financial risks across various operations. You will be responsible for developing and implementing risk management frameworks, conducting quantitative and qualitative risk analyses, and providing strategic recommendations to senior management. The ideal candidate possesses a strong understanding of financial markets, regulatory requirements, and risk modeling techniques. This position requires meticulous attention to detail, excellent problem-solving skills, and the ability to communicate complex financial concepts clearly.

Responsibilities:

• Develop, implement, and maintain risk management policies and procedures.
• Conduct comprehensive risk assessments, identifying potential financial, operational, and strategic risks.
• Analyze financial data to identify trends, anomalies, and potential areas of concern.
• Develop and utilize risk models to quantify and forecast potential losses.
• Monitor key risk indicators (KRIs) and report on risk exposures.
• Prepare detailed reports and presentations for senior management on risk status and mitigation strategies.
• Collaborate with various departments to ensure a consistent approach to risk management.
• Stay abreast of industry best practices and regulatory changes affecting financial risk.
• Assist in the development and testing of business continuity and disaster recovery plans.
• Contribute to the continuous improvement of the organization's risk management capabilities.

Qualifications:

• Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
• Proven experience in financial analysis, risk management, or a similar role within the banking or financial services sector.
• Strong understanding of financial instruments, markets, and regulatory frameworks (e.g., Basel Accords).
• Proficiency in statistical analysis, financial modeling, and risk assessment techniques.
• Excellent analytical, problem-solving, and critical thinking skills.
• Strong written and verbal communication skills, with the ability to present complex information effectively.
• Proficiency in Microsoft Excel, financial software, and data visualization tools.
• Ability to work independently and as part of a collaborative team.
• Relevant certifications such as FRM, CFA, or PRM are a plus.
• High level of integrity and ethical conduct.

This is an excellent opportunity to contribute significantly to the financial health and stability of a leading organization.

Our client, a prominent financial institution, is seeking a highly analytical and detail-oriented Financial Analyst specializing in Risk Management to join their team. This role involves assessing and mitigating financial risks across the organization, ensuring regulatory compliance, and contributing to strategic decision-making. The position is located in Bhubaneswar, Odisha, IN , and offers a flexible hybrid work model, allowing for a balance of in-office collaboration and remote work. You will play a crucial role in safeguarding the company's financial health and stability.

Key responsibilities include developing and implementing risk assessment frameworks and methodologies; analyzing financial data to identify potential risks, such as market risk, credit risk, operational risk, and liquidity risk; monitoring and evaluating the effectiveness of risk mitigation strategies; preparing comprehensive risk reports for senior management and regulatory bodies; ensuring compliance with all relevant financial regulations and internal policies; collaborating with various departments to embed risk management principles into business processes; conducting stress testing and scenario analysis to assess the impact of adverse market conditions; developing and maintaining risk models; staying updated on industry best practices and regulatory changes in risk management; and contributing to the continuous improvement of the risk management function. The ideal candidate will possess a Bachelor's or Master's degree in Finance, Economics, Mathematics, or a related quantitative field. Proven experience in financial analysis, risk management, or a similar role within the banking or financial services sector is required. Strong analytical, quantitative, and problem-solving skills are essential, along with proficiency in financial modeling and data analysis tools (e.g., Excel, SQL, R, Python). Excellent communication and interpersonal skills are necessary to effectively collaborate with stakeholders at all levels. Familiarity with regulatory frameworks such as Basel III or IFRS 9 is a significant advantage. This is an excellent opportunity to contribute to critical financial operations and develop your career in a challenging and rewarding environment.

Our client, a leading financial institution, is seeking an experienced and strategic Director of Financial Risk Management to oversee and enhance its risk management framework. This senior leadership role is critical for safeguarding the company's financial health, ensuring regulatory compliance, and supporting sustainable business growth. The ideal candidate will possess extensive knowledge of financial markets, risk modeling, and regulatory requirements.

Responsibilities:

• Develop, implement, and refine the organization's comprehensive financial risk management strategy, policies, and procedures.
• Oversee the identification, assessment, measurement, and mitigation of all significant financial risks, including market risk, credit risk, liquidity risk, and operational risk.
• Lead and mentor a team of risk management professionals, fostering a culture of risk awareness and expertise.
• Ensure compliance with all relevant national and international banking regulations and reporting requirements (e.g., Basel Accords).
• Develop and maintain robust risk models and stress testing frameworks to assess portfolio risk and capital adequacy.
• Provide strategic guidance to senior management and the Board of Directors on risk-related matters.
• Establish key risk indicators (KRIs) and monitor risk exposures against established limits and tolerances.
• Oversee the development and implementation of risk management systems and technologies.
• Represent the company in discussions with regulators, auditors, and external stakeholders on risk management topics.
• Promote a strong risk culture throughout the organization through training and communication initiatives.

Qualifications:

• Master's degree in Finance, Economics, Mathematics, Statistics, or a related quantitative field. A Ph.D. is a plus.
• Minimum of 10-12 years of progressive experience in financial risk management within the banking or financial services industry.
• Demonstrated expertise in various risk disciplines (market, credit, liquidity, operational).
• In-depth knowledge of financial markets, financial instruments, and quantitative risk modeling techniques.
• Proven experience in leading and developing high-performing teams.
• Strong understanding of regulatory frameworks (e.g., RBI, Basel III/IV, IFRS 9) and compliance requirements.
• Excellent analytical, strategic thinking, and problem-solving skills.
• Exceptional leadership, communication, and interpersonal abilities, with the capacity to influence at all levels.
• Professional certifications such as FRM, PRM, or CFA are highly desirable.

This role is based at our headquarters in Bhopal, Madhya Pradesh, IN , and requires a dedicated presence on-site to effectively lead the risk management function.

Company Name - Anand Rathi Global Intermediaries Limited (Stock Broker)

Company Overview

We are a SEBI-registered Trading Member and Self-Clearing Member with a focus on institutional broking, proprietary trading, and promoter group trading activities.

Role Overview

The Risk Manager leads the development, implementation, and oversight of risk management policies and daily surveillance in a prop and institutional desk environment. This individual will be responsible for real-time risk controls, regulatory margin management, exposure monitoring, and limit enforcement across all firm and group trading activities.

Key Responsibilities

• Develop and implement comprehensive risk management frameworks and processes for prop, institutional, and promoter trades
• Monitor exposures, P&L, and real-time risk across trading desks; implement controls to ensure compliance with SEBI, Exchange, and internal policies
• Oversee margin management, position limits, scrip profiling, and fund allocation in alignment with regulatory and internal risk norms
• Perform stress testing, scenario analysis, and risk analytics for large and complex positions/trades
• Supervise surveillance of all client and group trades to detect anomalies, trigger alerts, and enforce action as per policy
• Collaborate with front office, compliance, and technology teams to ensure system readiness for risk capture and reporting
• Conduct regular reviews of risk management systems, participate in audits, and enhance processes in line with best practices
• Ensure timely regulatory and internal risk reporting; present key risk exposures and action plans to management
• Train desk and ops teams in risk awareness, policy updates, and compliance practices

Candidate Requirements

• Graduate/Postgraduate with 5–10 years’ experience in risk management for institutional/prop broking.
• Advanced understanding of capital market risk controls, margin management, position/limit monitoring, and risk reporting
• Familiar with exchange systems (e.g., NMASS, OFS Portals), scrip/client profiling, and risk system tools
• Analytical with hands-on skills in scenario analysis, stress testing, and exposure surveillance
• Strong regulatory knowledge: SEBI, NSE/BSE, clearing and settlement framework, internal controls
• Excellent communication, technology acumen, and cross-team coordination
• FRM/CFA/NISM series or equivalent risk certifications

Our client is seeking a highly skilled Senior Quantitative Analyst to join their remote-first team, focusing on advanced financial risk management. This position is critical for developing sophisticated models and analytical tools to assess and mitigate financial risks across various market segments. The ideal candidate will possess a strong quantitative background, with expertise in financial mathematics, statistics, and econometrics. Responsibilities will include building, validating, and implementing complex risk models (e.g., Value-at-Risk, credit risk, market risk), performing stress testing, and contributing to regulatory capital calculations. You will work closely with portfolio managers, traders, and compliance officers to provide insights into risk exposures and recommend hedging strategies. Proficiency in programming languages such as Python, R, or C++, and experience with financial databases and risk management software are essential. A deep understanding of derivatives pricing, fixed income, and equity markets is highly desirable. This is a fully remote role, allowing you to work from anywhere within India. We are looking for an individual with exceptional analytical and problem-solving abilities, a meticulous attention to detail, and the capacity to communicate complex quantitative concepts clearly to both technical and non-technical audiences. You will play a key role in enhancing our client's risk management framework and ensuring compliance with evolving financial regulations. This is a unique opportunity to contribute to a leading financial institution from the comfort of your home office, with opportunities for professional growth and development. The ability to work autonomously and manage your time effectively in a remote setting is paramount. Join our client's globally distributed team and make a significant impact on their risk assessment capabilities.

Our client, a leading financial institution, is seeking a highly skilled and experienced Senior Quantitative Analyst to join their risk management division. This role is pivotal in developing and implementing sophisticated mathematical models and analytical frameworks to assess and mitigate financial risks. The ideal candidate will possess a strong academic background in a quantitative discipline, coupled with extensive practical experience in financial modeling, econometrics, and statistical analysis. You will be responsible for building, validating, and maintaining complex risk models, including those for credit risk, market risk, and operational risk. This involves performing in-depth data analysis, identifying key risk drivers, and quantifying potential losses. The role requires a deep understanding of financial markets, instruments, and regulatory requirements. You will work closely with trading desks, portfolio managers, and other stakeholders to provide quantitative insights and support strategic decision-making. Strong programming skills in languages such as Python, R, or C++ are essential for data manipulation, model implementation, and backtesting. Experience with financial databases and risk management software is highly desirable. The ability to clearly communicate complex quantitative concepts to both technical and non-technical audiences is critical. You will be expected to present findings, recommendations, and model limitations effectively. This is an opportunity to contribute to the stability and integrity of the financial system through rigorous quantitative analysis. The successful candidate will be a proactive problem-solver with a meticulous approach to detail and a commitment to accuracy. A passion for financial markets and a desire to innovate in risk management are key attributes. This role demands a hands-on approach to quantitative finance and offers significant career growth potential within a challenging and rewarding environment.

Responsibilities:

• Develop, implement, and validate quantitative models for financial risk assessment (credit, market, operational).
• Conduct advanced statistical analysis and econometrics on large financial datasets.
• Quantify financial risks and potential impacts on the institution.
• Collaborate with business units to understand risk exposures and develop appropriate modeling solutions.
• Perform backtesting and sensitivity analysis of risk models.
• Stay current with industry best practices, regulatory changes, and emerging quantitative techniques.
• Prepare comprehensive reports and presentations on model performance and risk exposures.
• Advise senior management on quantitative risk matters.
• Contribute to the enhancement of risk management frameworks and infrastructure.
• Mentor junior quantitative analysts and share knowledge.

Qualifications:

• Master's or Ph.D. in a quantitative field such as Mathematics, Statistics, Physics, Economics, or Finance.
• Minimum of 5-8 years of experience in quantitative analysis within the financial services industry.
• Proven expertise in financial modeling, risk management, and statistical methodologies.
• Strong programming skills in Python, R, C++, or similar languages.
• Experience with financial data sources and risk management systems.
• Excellent analytical, problem-solving, and critical thinking skills.
• Superior communication and presentation abilities, with the capacity to explain complex concepts clearly.
• Deep understanding of financial markets, instruments, and regulations (e.g., Basel Accords).
• Ability to work independently and as part of a collaborative team.

This position is located in **Dehradun, Uttarakhand, IN**.

Our client is looking for a highly analytical and experienced Senior Quantitative Analyst to join their esteemed financial institution in Patna, Bihar, IN . This role is critical for developing and implementing sophisticated financial models to assess and manage market, credit, and operational risks. The ideal candidate will possess a strong mathematical background, expertise in statistical modeling, and a deep understanding of financial markets and instruments.

Responsibilities:

• Design, develop, and validate quantitative models for risk assessment, pricing, and hedging of financial products.
• Implement and test quantitative models using programming languages such as Python, R, or C++.
• Analyze large datasets to identify patterns, trends, and anomalies relevant to financial risk.
• Collaborate with trading desks, risk management teams, and IT to implement and deploy quantitative models.
• Conduct stress testing and scenario analysis to evaluate the resilience of portfolios under adverse market conditions.
• Ensure models comply with regulatory requirements and internal policies.
• Perform ongoing monitoring and maintenance of existing models, identifying areas for improvement.
• Prepare clear and concise documentation for all models, assumptions, and methodologies.
• Stay abreast of new quantitative techniques, financial innovations, and regulatory changes.
• Provide analytical support and insights to senior management and stakeholders regarding financial risks and opportunities in Patna, Bihar, IN .

Qualifications:

• Master's or Ph.D. in a quantitative field such as Mathematics, Statistics, Physics, Economics, or Financial Engineering.
• A minimum of 5-8 years of experience in quantitative analysis, risk management, or a related role within the financial services industry.
• Strong proficiency in statistical modeling, time-series analysis, and econometrics.
• Expertise in at least one programming language (Python, R, C++, Java) and experience with data manipulation libraries.
• Familiarity with financial derivatives, fixed income, equities, and other asset classes.
• Knowledge of regulatory frameworks such as Basel III.
• Excellent problem-solving, analytical, and critical thinking skills.
• Strong communication and presentation skills, with the ability to explain complex technical concepts to non-technical audiences.
• Ability to work independently and as part of a team in a high-pressure environment.

This is an exceptional opportunity to leverage your quantitative skills in a challenging and rewarding role within the banking and finance sector.