Risk Analyst - Real Estate
Piramal Finance
Job Description
DEPARTMENT: Risk
LOCATION: Bengaluru
JOB OVERVIEW:The incumbent will be part of the risk team and responsible for Credit Risk & Structuring for Real Estate sector such that it aligns with the broader risk appetite and objectives of the organisation.
KEY STAKEHOLDERS:INTERNAL Origination Team, Credit, Compliance, Asset Management and Legal
QUALIFICATION:Qualified CA and/or MBA from top B-school (full-time)
EXPERIENCE:3-5 years of experience across Banks / NBFCs / AIFs / Rating Agencies, with hands-on exposure to credit underwriting or evaluation of wholesale real estate transactions.Understanding of Industry, financial & credit principles.Strong understanding of financial modeling and analytical skills.Ability to be a self-starter and think strategically to independently handle the credit analysis for the assigned deals / portfolio and highlight the risks in same.Maintain healthy relationships with internal stakeholders to achieve team goals.Ability to understand/ simplify and present the complex problems.Good networking skills across Banks/NBFCs operating in the space.
KEY RESPONSIBILTIES: Credit Risk & StructuringIndependently evaluate lending opportunities to real estate sector, assigning rating using in-house proprietary model and making a detailed risk note highlighting key risk of the transaction.Engage with Origination, Credit, and Asset Management teams to obtain relevant inputs and validate assumptions for transaction evaluation.Present independent view on deals to senior management and deal sanctioning committee.On-going monitoring of the portfolio to track Early Warning Signals (EWS) for any possible stress in accounts and updating risk rating, wherever applicable.Conduct portfolio analysis and derive at maximum loss potential estimate for the entire portfolio.Be updated and informed of relevant regulatory guidelines and taking active participation in framing various internal policies basis the same.Derive insights from portfolio analysis and incorporate the same in the underwriting standards for new deals.