The Senior Analyst will assess enterprise and operational risks, strengthen process controls, and provide risk insights to management and committees.
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
Key Responsibilities:
- 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
Requirements:
- 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).
What we offer at Nium
We Value Performance: Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programs, we ensure that all our employees are well rewarded and incentivized for their hard work.
We Care for Our Employees: The wellness of Nium’ers is our #1 priority. We offer medical coverage along with 24/7 employee assistance program, generous vacation programs including our year-end shut down. We also provide a flexible working hybrid working environment (3 days per week in the office).
We Upskill Ourselves: We are curious, and always want to learn more with a focus on upskilling ourselves. We provide role-specific training, internal workshops, and a learning stipend.
We Celebrate Together: We recognize that work is also about creating great relationships with each other. We celebrate together with company-wide social events, team bonding activities, happy hours, team offsites, and much more!
We Thrive with Diversity: Nium is truly a global company, with more than 33 nationalities, based in 18+ countries and more than 10 office locations. As an equal opportunity employer, we are committed to providing a safe and welcoming environment for everyone.
For more detailed region specific benefits : https://www.nium.com/careers#careers-perks
For more information visit www.nium.com
Depending on your location, certain laws may regulate the way Nium manages the data of candidates. By submitting your job application, you are agreeing and acknowledging that you have read and understand our Candidate Privacy Notice located at www.nium.com/privacy/candidate-privacy-notice.
Nium Mumbai, Maharashtra, IND Office
B-3, Cama Industrial Estate, Goregaon, , Mumbai, Maharashtra , India, 400063
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