Risk Manager

About Vivriti Group

Vivriti Group is a pioneer in the Mid-Market Lending space, providing tailored debt solutions to mid-sized corporates and financial institutions.

The Group comprises:

• Vivriti Capital Limited, a systemically important NBFC (NBFC ND-SI) regulated by RBI, rated A+ by CRISIL, with disbursements exceeding USD 3 billion across 300+ enterprise borrowers.
• Vivriti Asset Management, managing commitments of USD 700 million+ from institutional and private investors, with investments of USD 575 million+ across 80+ entities.

Learn more: https://www.youtube.com/watch?v=5rGfHVlRX0A

About the Role

You will be a part of the Risk Management team responsible for assessing, monitoring, and managing credit and portfolio risks. The role provides hands-on exposure to underwriting processes, portfolio analytics, sectoral risk evaluation, and policy implementation for the enterprise lending business.

Key Responsibilities

Credit Risk & Underwriting

• Support credit appraisal for mid-market corporates and financial institutions by analyzing financials, cash flows, and management profiles.
• Assist in preparing credit notes, risk assessments, and credit rating rationales.
• Participate in client due diligence, industry benchmarking, and peer comparisons.
• Work closely with business teams to evaluate deal structures, covenants, and risk mitigants.

Portfolio & Sector Risk

• Monitor portfolio performance through exposure analysis, risk rating movements, and early warning indicators (EWI).
• Assist in developing sectoral risk frameworkstracking macro and micro-level sector risks.
• Participate in periodic stress testing, scenario modeling, and limit monitoring.
• Contribute to quarterly risk dashboards and portfolio review presentations.

Modelling & Analytics

• Collaborate with Data Science and Technology teams to build credit risk models, scorecards, and data visualization tools.
• Support validation and back-testing of internal risk models.
• Help in creating automation dashboards for monitoring key risk metrics.

Policy & Governance

• Support in drafting and updating risk policies, standard operating procedures, and internal guidelines.
• Track compliance with risk appetite limits and recommend corrective actions where necessary.
• Coordinate with internal audit and compliance teams for reviews and documentation.

Desired Skills & Qualifications

• MBA (Finance) / CA / CFA / FRM (preferred) with 26 years of experience in risk management, credit analysis, or financial research.
• Strong grasp of financial statement analysis, ratio interpretation, and cash flow modelling.
• Exposure to credit appraisal processes in an NBFC or banking environment is an added advantage.
• Analytical mindset, strong attention to detail, and good business acumen.
• Excellent written and verbal communication skills.

What Youll Gain

• Opportunity to work on live credit deals and portfolio analytics.
• Exposure to mid-market lending, structured finance, and risk frameworks.
• Learning across credit, sector, and data-driven risk management.
• A collaborative and high-performance work environment focused on continuous learning.