Job Description

Role Description To manage the Credit Policy and Portfolio for the Private Bank (ex-WM) in India Your key responsibilities Credit Policy Managing credit strategy for MSME lending primarily for products like Unsecured Business Loans, Loan Against property and Working Capital. Additionally managing credit policy for mid- market customers and home loans. Working on supply chain finance product, setting up infrastructure to cover policy, process, gating norms and monitor the portfolio performance and thresholds set Preparation of Credit Assessment templates, policy notes, KOPs and implementation of various applications. Managing risk and credit practice in line with Risk policy framework, banks risk appetite and business requirements. Adhering to RBI circulars from time to time on interpretating to same, checking impact of circular on the unit and implementing with requisite approvals Engaging with product, legal, compliance to establish risk management standards Managing credit authority for underwriters and timely review of same for necessary modifications as may be required. Portfolio Management Managing Fintechs towards ease in processing and with enhanced credit diligence Identifying good and bad segments in the portfolio to recognize the risk and take policy action to arrest weaker segments Slicing and bisecting data on a regular basis to understand the portfolio performance at a product level, location level, segment level and the probable areas of concerns there Bureau engagement towards what is happening in the industry and subscribing to various insightful information on a time to time basis Portfolio presentation to various group stakeholders Set up restructuring framework and monitor the portfolio for further actions Managing timely renewals for working capital customers by setting out necessary processes, digitizing the aspects wherever possible and maintain risk standards. Monitor Quick mortality to understand the portfolio quality, sourcing, any learning from the mistakes, if any and if there is a need for any policy revisions to avoid errors. Audits Managing various audits like regulatory audit, group audit, concurrent audit. Liasioning with auditors, sharing requisite information, adhering to timelines. Ensure closure of findings as per timelines and monitor the effectiveness going forward Monitoring / EWS Complying to RBI requirement on EWS from time to EWS Engaging with fintech tracking on going functionalities and towards smoother implementation from time and time Understanding market dynamics and enhancing internal systems for making internal system EWS system robust Working on both internal and external alerts to get 360 degree view of the customer to pre emp stress in the customer and take timely actions Placing watchlist policy, putting the framework in place, tracking cases on a regular basis to monitor the portfolio movement Strategy implementation for timely exit of problematic customers Engaging with various institutions like CRISIL, CMIE, CIBIL, NSEL, fintechs, valuation agencies, law firms to understand the market dynamics on multiple aspects Staff Accountability Review given regulatory requirements and compliance to the same Your skills and experience Basic requirements Expertise in all aspects and functions of Credit Risk management, both in underwriting as well as policy / portfolio functions; as well as a strong understanding of relevant regulatory requirements Skills Analytical and logical solutioning approach Project management Cross-functional liaising, both within and outside the Risk function Negotiation Experience CA / MBA from premium institute 15 years of relevant work experience