Consultant/AM - Credit Risk + AI Transformation

KPMG is a global network of professional firms providing Audit, Tax and Advisory services. We operate in 156 countries and have 152,000 people working in member firms around the world.

KPMG in India, a professional services firm, is the Indian member firm of KPMG International and was established in September 1993. Our professionals leverage the global network of firms, providing detailed knowledge of local laws, regulations, markets and competition. KPMG in India provide services to over 4,500 international and national clients, in India. KPMG has offices across India in Delhi, Chandigarh, Ahmedabad, Mumbai, Pune, Chennai, Bangalore, Kochi, Hyderabad and Kolkata. The Indian firm has access to more than 7,000 Indian and expatriate professionals, many of whom are internationally trained. We strive to provide rapid, performance-based, industry-focused and technology-enabled services, which reflect a shared knowledge of global and local industries and our experience of the Indian business environment.

KPMG Advisory professionals provide advice and assistance to enable companies, intermediaries and public sector bodies to mitigate risk, improve performance, and create value. KPMG firms provide a wide range of Risk Consulting, Management Consulting and Transactions & Restructuring services that can help clients respond to immediate needs as well as put in place the strategies for the longer term.

Location: Mumbai, India

Experience: 4-10 Years

About the Role

We are seeking experienced AI Translators / Business Analysts with strong expertise in Risk Management, Credit Risk, and Lending to support AI-driven and business transformation initiatives within the Chief Risk Office (CRO) function. The role requires acting as a bridge between business, risk, data, and technology teams to identify opportunities, define requirements, and design AI-enabled solutions, automation opportunities, and agentic workflows that enhance decision-making, operational efficiency, and governance.

The ideal candidate should possess deep domain knowledge across lending and risk processes combined with strong analytical, stakeholder management, and transformation capabilities.

Key Responsibilities

AI & Transformation Initiatives

Identify, assess, and prioritize AI, automation, and digital transformation opportunities across risk and lending processes.Analyze existing business workflows and recommend AI-enabled improvements to increase efficiency, effectiveness, and control.Support development of AI use cases, business cases, and implementation roadmaps.Design and document agentic workflows, decision engines, and human-in-the-loop operating models.Business Analysis & Requirements Management

Gather, analyze, and document business requirements from risk, lending, and regulatory stakeholders.Translate complex business requirements into:Functional specificationsUser stories and acceptance criteriaBusiness rulesPrompt strategies for AI solutionsTarget operating modelsProcess flows and workflow designsEnsure business requirements are aligned with enterprise risk and governance standards.Risk & Lending Domain Expertise

Apply deep understanding of:Credit Risk ManagementCorporate Banking & Commercial LendingRetail Lending ProductsCredit Analysis & UnderwritingFinancial Statement AnalysisRisk Appetite FrameworksRegulatory & Governance RequirementsSupport design of AI solutions that improve risk assessment, portfolio monitoring, loan processing, and decision support capabilities.Stakeholder Collaboration

Act as the primary liaison between business, risk, data, analytics, and technology teams.Facilitate workshops, requirement discussions, and solution design sessions.Present recommendations and solution designs to senior stakeholders and leadership teams.Drive stakeholder engagement and alignment throughout the project lifecycle.Delivery & Change Management

Support solution design, development, testing, deployment, and user adoption activities.Participate in UAT planning, execution, and defect resolution.Assist in business process re-engineering and operating model transformation initiatives.Drive change management, training, communication, and adoption activities.

Required Qualifications

Bachelor's/Master's degree in Finance, Business, Economics, Engineering, Computer Science, or a related discipline.4-10 years of experience as a Business Analyst, Functional Consultant, Risk Analyst, or Transformation Consultant.Strong experience within Banking, Financial Services, Risk Management and Lending Operations.Proven track record in business process improvement and transformation programs.

Required Skills

Domain Skills

Credit Risk ManagementLending & Credit LifecycleCredit Assessment & UnderwritingFinancial AnalysisRegulatory Risk & GovernanceRisk Reporting & MonitoringBusiness Analysis Skills

Requirements GatheringProcess MappingUser Stories & Functional SpecificationsGap AnalysisBusiness Process Re-engineeringStakeholder .