Piramal Capital & Housing Finance Limited
Website:
piramalfinance.com
Job details:
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 & Structuring
- Independently 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.
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