NBFC Risk Management
Enterprise risk management for NBFCs: credit risk, operational risk, liquidity risk, market risk, ALM and board-level risk policy frameworks.
RBI's scale-based framework expects NBFCs — especially Middle and Upper Layer — to run formal risk governance: risk appetite, credit risk discipline, liquidity buffers and ALM, not just a risk register in a drawer.
We build working risk management for NBFCs: enterprise risk frameworks, credit and operational risk controls, liquidity risk and ALM, and the risk policies and committee structures your board and RBI expect.
What's included
Enterprise & credit risk
- Enterprise risk management: risk appetite, risk taxonomy and governance
- Credit risk management: underwriting standards, delegation and portfolio caps
- Concentration, sector and geography limit frameworks
- Early-warning signal design and watchlist process
Liquidity, market risk & ALM
- Liquidity risk management: buffers, contingency funding plans
- Market risk advisory: interest-rate risk in the banking book
- ALM: gap analysis, structural liquidity and interest-rate sensitivity statements
- Stress testing scenarios for board review
Operational risk & policy
- Operational risk management: RCSA, incident and loss-data capture
- Outsourcing and business-continuity risk frameworks
- Risk policy & framework documentation for board approval
- Risk committee charter and reporting pack
How we work
- Risk diagnostic. We assess current controls against your SBR layer expectations.
- Framework design. Risk appetite, policies and committee structure designed.
- Implementation. Limits, reports and processes embedded in operations.
- Board adoption. Policies approved; first risk-committee cycle run with you.
What you receive
- Enterprise risk management framework document
- Board-approved risk policy suite
- ALM and liquidity reporting templates
- Risk committee charter and first-cycle pack
Risk Management — FAQs
It scales with your layer — but every NBFC needs credit discipline, liquidity management and board-level risk oversight. Middle and Upper Layer NBFCs face detailed expectations.
Asset-liability management: matching the maturity and rate profile of your borrowings with your loan book, reported through structural liquidity and interest-rate sensitivity statements.
Formal committees are expected at higher layers; smaller NBFCs still need documented risk oversight. We right-size it.
Yes — a focused diagnostic against supervisory expectations with a remediation plan.
Need help with risk management?
Free initial consultation — tell us your situation and we'll scope a fixed-fee engagement.