Product Risk Analyst

Role Overview

Aditya Birla Capital is hiring a Product Risk Analyst in Maharashtra, India for an on-site full-time role. The position focuses on managing portfolio risk, strengthening monitoring frameworks, and supporting risk-led decision-making through analytics, reporting, and process improvements.

Key Responsibilities

• Track and review portfolio risk on a regular basis to identify emerging issues and trends.
• Pull data from internal systems and credit MIS to build risk dashboards in Excel and Power BI.
• Prepare presentation decks for regional reviews, PDD reviews, and bounce analysis, while coordinating feedback from business and credit teams.
• Carry out periodic assessments of credit default, operational, and concentration risks across the portfolio.
• Develop risk decks for CRO and CEO review meetings.
• Contribute to automation initiatives and other workflow improvement projects.
• Create and maintain monitoring dashboards that support ongoing risk oversight.
• Perform in-depth data analysis and risk evaluation, using key metrics to inform strategic risk management choices.
• Support process improvement and digitization initiatives across risk operations.
• Help implement automation, process enhancements, and system upgrade initiatives.
• Design and refine early warning signal strategies for better risk detection.
• Build scorecards for both application assessment and portfolio monitoring.
• Support new product and policy development efforts.
• Analyze new products and benchmark them against peer offerings.
• Understand credit-risk implications of products and policies.
• Contribute to policy drafting and final sign-off processes.

Additional Information

This role includes responsibility for portfolio monitoring, analytics-driven reporting, and cross-functional coordination with business and credit stakeholders. The position also involves risk policy work, product evaluation, and continuous improvement initiatives aimed at strengthening control and decision-making frameworks.