Job description
About us:
OsbIndia (OSBI) is an offshore subsidiary of OSB Group. OSBI was incorporated in 2004 as a key part of the OSB Group’s business strategy to provide operational service support. OSBI works with the Group’s trading brands in the UK, providing exceptional customer support and service delivery to new and existing customers.
OSBI also prides itself on offering operational excellence by devising and utilizing process improvements and functional efficiencies.
1.
Core Responsibilities
Credit Risk Assurance Reviews
Conduct risk-based assurance reviews across the credit lifecycle including:
underwriting and credit decisioning
credit approvals and delegated authorities
portfolio monitoring
collections and recoveries
Evaluate the design and operating effectiveness of credit risk controls.
Apply audit like and/or risk-based methodologies to assess compliance with credit policies, regulatory expectations and internal standards.
Perform file reviews and sampling of credit decisions to assess appropriateness of risk assessment and documentation.
Track and validate findings actions through to closure
Data Analysis & Portfolio Insights
Analyse credit portfolio data to identify trends, emerging risks and potential control weaknesses.
Perform data-driven testing to validate credit risk controls and underwriting standards.
Use analytical tools to assess key indicators such as:
credit quality trends
arrears and default rates
concentration risks
policy exceptions
quality of decision making
Develop and maintain analytical models or dashboards to support assurance reviews.
Policy & Regulatory Compliance
Assess alignment of credit processes with internal policies, risk appetite and regulatory expectations.
Evaluate compliance with relevant regulatory requirements (e.g.
Consumer Duty, responsible lending obligations).
Identify areas where credit practices may expose the organisation to heightened financial or conduct risk.
Assurance Methodology
Plan and execute assurance reviews using the team’s structured methodology including:
risk assessment
control evaluation
sample testing
root cause analysis
Document findings clearly and provide evidence-based conclusions.
Prepare high-quality working papers and assurance reports.
Stakeholder Engagement
Engage with credit risk, underwriting, and business teams to understand processes and controls.
Present findings and insights to senior stakeholders in Risk, Credit and Internal Audit.
Provide practical recommendations to strengthen credit risk management frameworks.
Continuous Improvement
Contribute to the development of data-led assurance approaches within Risk Assurance.
Identify opportunities to enhance credit risk monitoring and governance.
Support thematic reviews and deep dives into emerging credit risks.
Why join OSBI?
We understand your career and how you progress is as unique as your individual personality.
We've created a culture and an environment that encourages personal growth and offers our people opportunities to learn and succeed.
Whether you're in the early stages of your career or already have an established profession, we're constantly seeking to hire talented individuals who want to make a difference and grow with us.
We're a connected company working together to create a business in which we can all take pride and prosper.
If you want to know more about OSBI, please click on the website link: www.osb-india.com
To know more about OSBI culture please find us on Instagram @OSBINDIA
To find out more about the roles & updates please follow our LinkedIn Page www.linkedin.com/company/osbi.