Risk and Regulatory Transformation — Consulting / Business Analyst

Accenture Global Network · Capital Markets (Financial Services) Risk and Regulatory Transformation Centre of Excellence

About Accenture

Accenture is a leading global professional services company, providing a broad range of services and solutions in strategy, consulting, digital, technology and operations with approximately 779,000 people serving clients in more than 120 countries. Combining unparalleled experience, comprehensive capabilities across all industries and business functions, and extensive research on the world’s most successful companies, Accenture collaborates with clients to help them become high-performance businesses and governments. The company generated net revenues of US $80.6 billion for the fiscal year ended Aug. 31, 2025. You can visit us at www.accenture.com.

About Global Network

If you are looking for a career with unparalleled global impact, then Accenture invites you to learn more about our rapidly expanding Global Network. Over 10,000 management consulting and strategy professionals work in the Global Network at Accenture. Based in a prominent locations network, Global Network professionals specialize in providing cutting-edge Industry and Functional expertise and leveraging the power of Accenture to bring measurable value to our clients worldwide.

Join the Global Network and always have the backing of the established brand of Accenture to deliver large scale transformational change. Grow your career and experience a stimulating, fast-paced environment working with prestigious clients on diverse projects to solve significant business challenges. You will deliver lasting impact as you work as part of a highly specialized team, combining overseas client-site work with opportunities based locally, and contribute to high performance through continuous collaboration and knowledge sharing.

Role Overview

We are seeking an experienced professional to join our Financial Services practice. In this role, you will partner with banking and capital markets clients globally to redesign and optimise the credit lifecycle or Treasury / ALM operating model. You will work across process, policy, governance, organisation, data, and technology to deliver scalable, commercially relevant improvements. The role sits at the intersection of strategy, risk, analytics, and transformation, helping clients address complex balance sheet, lending, and risk management challenges.

Role Snapshot

Operating Group

Capital Markets [FS] Risk and Regulatory Transformation CoE

Level (Experience)

Analyst (3-6) / Consultant (7-11) / Manager (12-16) / Sr. Manager (17+)

Location

Bangalore / Mumbai / Pune / Hyderabad / Chennai

Travel Percentage

Expected travel could be anywhere between 0-100%

Key Responsibilities

Role 1: Credit Lifecycle

• Assess and redesign end-to-end credit lifecycle processes across origination, underwriting, monitoring, collections, and recovery to identify inefficiencies, control gaps, and transformation opportunities.
• Design future-state Target Operating Models (TOM) across credit and Treasury / ALM, aligning people, process, governance, data, and technology to improve scalability, control, and business performance.
• Develop and enhance credit policies, underwriting frameworks, portfolio segmentation approaches, and early warning frameworks to strengthen risk identification and portfolio management.
• Support the design of collections and recovery strategies across early, mid, and late-stage delinquency, using analytics-led interventions to improve cure rates, roll rates, and recovery outcomes.

Role 2: Treasury / ALM operating model

• Manage and optimise Treasury and ALM activities, including liquidity monitoring, funding strategy, balance sheet optimisation, and interest rate risk management, in line with internal risk appetite and regulatory requirements.
• Analyse maturity mismatches, liquidity gaps, cash flow profiles, and structural balance sheet exposures to support robust ALM decision-making and balance sheet steering.
• Support development and enhancement of ALM and risk analytics frameworks, including scenario analysis, stress testing, behavioural assumptions, and measurement of key metrics such as liquidity risk and interest rate risk.
• Contribute to regulatory and internal risk reporting across credit and Treasury / ALM domains, including areas such as Basel, LCR, NSFR, IRRBB, and portfolio risk monitoring.

Common for both roles

• Collaborate with business, data, and technology teams on requirements gathering, data sourcing, process design, UAT, and implementation for risk, finance, and Treasury transformation programmes.
• Partner with Banking and Capital Markets clients globally to define strategic priorities and develop executable roadmaps across risk transformation, operating model redesign, cost optimisation, and digital enablement.

Responsibilities by Level

Analysts / Consultants

• PMO support, testing support, data analysis and presentation support
• Foundational wealth management understanding and change expertise
• BRD / FRD / user-story ownership, documentation, process mapping and requirement gathering
• Independent workstream execution
• Problem structuring and recommendation development, stakeholder management

Experience & Skills

Essential

• 3+ years of experience in financial services consulting, risk transformation, Treasury / ALM, credit risk, or related roles within banking and capital markets institutions.
• Deep domain expertise across one or more of the following areas: credit lifecycle transformation, underwriting frameworks, early warning systems, collections strategy, liquidity risk, balance sheet management, Treasury operations, or ALM.
• Proven ability to support or deliver transformation programmes involving operating model design, process improvement, governance enhancement, or implementation of risk, finance, or Treasury capabilities.
• Strong analytical foundation with experience in data-driven problem solving, scenario analysis, performance management, or risk and financial analytics.
• Ability to engage confidently with senior stakeholders and manage complex, multi-workstream engagements with clarity, structure, and commercial acumen.
• Excellent written and verbal communication skills, with the ability to distil complex business, risk, and Treasury concepts into concise, executive-ready narratives.

Preferred

• Familiarity with lending platforms, collections tools, Treasury systems, ALM platforms, or broader risk and finance technology ecosystems.
• Exposure to multiple banking products or business lines, including corporate, SME, consumer, mortgage, deposits, or Treasury products.
• Working knowledge of regulatory expectations and market practices related to credit risk, liquidity risk, interest rate risk, and balance sheet management.
• Prior experience contributing to thought leadership content, proposals, RFP responses, or business development initiatives.

Education Qualifications

Must have a Master’s Management Degree (MBA, PGDBM, MMS etc.). CFA / FRM / CFP / CWM / PRM or other industry-specific certification is an added advantage.

Additional Information

• Visa readiness for the US, UK, Europe, Middle East or APAC markets is a plus for suitable candidates
• Candidates should be comfortable with variable travel requirements and global delivery collaboration

Experience & Skills

Essential

• 3+ years of experience in financial services consulting, risk transformation, Treasury / ALM, credit risk, or related roles within banking and capital markets institutions.
• Deep domain expertise across one or more of the following areas: credit lifecycle transformation, underwriting frameworks, early warning systems, collections strategy, liquidity risk, balance sheet management, Treasury operations, or ALM.
• Proven ability to support or deliver transformation programmes involving operating model design, process improvement, governance enhancement, or implementation of risk, finance, or Treasury capabilities.
• Strong analytical foundation with experience in data-driven problem solving, scenario analysis, performance management, or risk and financial analytics.
• Ability to engage confidently with senior stakeholders and manage complex, multi-workstream engagements with clarity, structure, and commercial acumen.
• Excellent written and verbal communication skills, with the ability to distil complex business, risk, and Treasury concepts into concise, executive-ready narratives.

Preferred

• Familiarity with lending platforms, collections tools, Treasury systems, ALM platforms, or broader risk and finance technology ecosystems.
• Exposure to multiple banking products or business lines, including corporate, SME, consumer, mortgage, deposits, or Treasury products.
• Working knowledge of regulatory expectations and market practices related to credit risk, liquidity risk, interest rate risk, and balance sheet management.
• Prior experience contributing to thought leadership content, proposals, RFP responses, or business development initiatives.

Education Qualifications

Must have a Master’s Management Degree (MBA, PGDBM, MMS etc.). CFA / FRM / CFP / CWM / PRM or other industry-specific certification is an added advantage.

Additional Information

• Visa readiness for the US, UK, Europe, Middle East or APAC markets is a plus for suitable candidates
• Candidates should be comfortable with variable travel requirements and global delivery collaboration

About Accenture

Accenture is a leading global professional services company that helps the world’s leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services—creating tangible value at speed and scale. We are a talent- and innovation-led company with approximately 791,000 people serving clients in more than 120 countries. Technology is at the core of change today, and we are one of the world’s leaders in helping drive that change, with strong ecosystem relationships. We combine our strength in technology and leadership in cloud, data and AI with unmatched industry experience, functional expertise and global delivery capability. Our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Song, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients reinvent and build trusted, lasting relationships. We measure our success by the 360° value we create for our clients, each other, our shareholders, partners and communities.

Visit us at www.accenture.com 

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