Credit Risk Management Role - Bank

The role holder is responsible for Credit risk management of Retail asset loansi.e BRE. Job profile include portfolio risk management, assessment of Business risk, Product risk, Industry risk, Profitability assessment of specific segments and due diligence of credit processes. Job holder is responsible for ensuring the growth of portfolio in right direction within the Risk appetite of the bank

The role holder interacts and coordinate with all the control functions and respective stakeholders of the Bank like Credit Risk/ Business/ Audit/ Analytics /Product/ Operations/Technology for effective and efficient delivery and controls of project and process within specific timeliness.

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES:

Strategic/ Managerial Responsibilities:

- Credit Risk Management of Retail loans portfolio i.e BRE

- Simplification of processes through automation and digitization projects

- Strengthening Systems, Controls & Processes for robust compliance

- Superior & Consistent Customer Service

Core Responsibilities - Formulation of Credit policy within regulatory parameters and risk appetite of the bank

- Ensure Implementation and adherence of Credit Policy through training of credit and operations team on the policy parameters and consistent guidance on the clarifications on product and policy parameters

- Prepare monthly newsletter - snapshot of Portfolio performance , monthly acquisition trend, quality of portfolio and trigger monitoring

- Identify areas of improvement in existing processes of credit underwriting, risk management and operations and its implementation.

- Responsible for monitoring quality of the portfolio by monitoring infant delinquencies, NPAs and stress accounts

- Travelling across locations for understanding the local policy and product requirement, process reviews and imparting training

- Risk Control Self-Assessment (RCSA) reporting to Operational Research function

- User Acceptance Test (UAT) of scorecards

- Support system changes to improve quality of data and ease of process

People Management or Self-Management Responsibilities:

- Regular Interaction with stakeholders like Operations, products, business , analytics , audit, compliance, operational risk and legal team for drafting and implementation of policy within the Bank approved guideline and risk appetite