Credit Monitoring Role - Retail Asset - NBFC

Job Title: Credit Monitoring - Retail Asset - NBFC

Location: Mumbai

Credit Monitoring & Control:

- Maintaining operational and credit risk control over sanctioned and disbursed portfolio by effectively applying Monitoring tools and controls over portfolio.

- Monitoring portfolio to assess delinquency trends across various locations, profiles, programs, products & other parameters; Monitoring non-starters, bounce rates, debotrs & collection efficiency.

- Analysing above trends regularly to understand overall portfolio behaviour and also reasons for defaults by individual customers and suggesting appropriate modifications in policy, product, program etc based on trends observed.

- Competition benchmarking and tracking portfolio trends in Housing Finance & Real Estate industry and other retail financing products viz. 2-wheeler, Farm Equipment, Personal Loans, Micro Finance loans etc. which will help in improving product and policy framework

- Managing Early Warning System (EWS) mechanism for retail portfolio

- Post disbursement sanctioning and monitoring framework including documentation, disbursement of loans.

- Post disbursement monitoring of covenants including financial covenants, Security creation, Project progress reports, document deferral, regulatory related etc.

- Portfolio Monitoring including assessment of accounts and snapshot of stressed account to senior management.

- Preparing review notes and presentations for senior management

- Handling internal, regulatory audits and trainings:

- Ensuring compliance of portfolio with policy and process

- Managing internal and regulatory audit

- Circulating and highlighting summary findings to senior management

- Imparting trainings to field teams on need basis

- Operational Risk Control : Thorough compliance monitoring