Nium16d ago

Senior Analyst - Enterprise Risk

MumbaiFull-timesenior

OtherEnterprise

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Quick Summary

Requirements Summary

A bachelor’s degree in finance, Business, or Technology. Certifications like CA, CRISC, CIA or any globally recognized risk related certifications is highly valued. Experience in a fintech, payments,

Technical Tools

OtherEnterprise

Nium, the Leader in Real-Time Global Payments

Nium, the leading global infrastructure for real-time cross-border payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. With the onset of the global economy, its payments infrastructure is shaping how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders. Its payout network supports 100 currencies and spans 190+ countries, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 40 markets. Nium's growing card issuance business is already available in 34 countries. Nium holds regulatory licenses and authorizations in more than 40 countries, enabling seamless onboarding, rapid integration, and compliance – independent of geography. The company is co-headquartered in San Francisco and Singapore.

About the role :

As a Senior Analyst in the Enterprise Risk team, you will play a key role in assessing and monitoring enterprise and operational risks, strengthening business process controls, and providing meaningful risk insights to senior management and risk committees. You will work

closely with business, compliance, finance, treasury, and audit teams in a dynamic fintech environment

Conduct Risk and Control Self-Assessments (RCSA)for key business and operational processes across payments, cards, compliance, finance, and treasury.

Design, document, and assess Business Process Controls, including control design and operating effectiveness.

Identify and assess inherent risks, control gaps, and residual risks across end-to-end processes.

Support the development and maintenance of the Enterprise Risk Register and risk taxonomy.

Perform thematic and deep-dive risk reviews on emerging and priority risk areas.

Analyze incidents, losses, audit findings, and control failures to identify trends and root causes.

Design, monitor, and report Key Risk Indicators (KRIs)aligned to business risk appetite.

Support control testing, issue management, and remediation trackingto closure

Prepare risk dashboards, management reports, and committee packs for senior management and Board-level forums.

Partner with first-line teams to strengthen process documentation, governance, and control culture.

Contribute to regulatory-driven risk programmes such as DORA, operational resilience, outsourcing risk, and ICT risk

4–5 years of experience in Enterprise Risk, Operational Risk, Internal Audit, or Business Process Controls within financial services or fintech.

Strong hands-on experience in Business Process Controls, including Control design and documentation for end-to-end processes, Identification of key controls and control gaps, Testing of control design and operating effectiveness, Supporting remediation of control weaknesses.

Proven experience conducting Risk and Control Self-Assessments (RCSA)

Solid understanding of process-level risks and controls in areas such as, Payment's operations, Client onboarding & KYC,Transaction monitoring & fraud operations, Finance, settlements & reconciliation, Treasury operations, including liquidity management, funding, nostro/Vostro accounts, and cash management.

Strong grounding in inherent risk, control effectiveness, and residual risk assessment.

Strong analytical skills with experience in Trend analysis and root-cause analysis, working with incidents, KRIs, and audit data, Converting data into structured management insights.

Good understanding of regulatory and governance expectations in a fintech /payments environment.

Advanced working knowledge of Excel and PowerPoint for analysis and reporting.

Qualifications: A bachelor’s degree in finance, Business, or Technology. Certifications like CA, CRISC, CIA or any globally recognized risk related certifications is highly valued.

Experience in a fintech, payments, or regulated banking environment.

Exposure to DORA, operational resilience, ICT risk, or outsourcing risk.

Prior experience interacting with auditors, regulators, and risk committees.

Familiarity with GRC / risk management tools.

Experience using AI or advanced analytics tools to enhance risk analysis, control testing, or reporting (e.g., automation, data analytics, GenAI-assisted reviews).