Credit Risk Manager - BFSI

Experience: 7 to 10 years

Qualification: CA / MBA

Job Profile:

CRM's job responsibilities include performing detailed credit analysis of a borrower.

CRM looks at a sustainable debt based on borrower's financial and operating ratios.

For collateral loans, the underwriter is responsible for evaluation and factoring the same in evaluation.

Ability to use bottom-up strategies in the portfolio assessments.

Assessing returns not only on the status of the overall credit market cycle, but on company-specific factors, sector-specific factors or both.

Analyze alternate strategies proposed by business to determine if expected returns are worth the wait.

Conduct stress and scenario testing and analysis at portfolio levels.

Ensure no relevant scenarios are missed in testing

Develop and track metrics to evaluate the portfolio performance.

Review strategic credit positions

Assess Changes in Largest Exposures

Assess if provisions are up to date.

Review past or anticipated changes in provisions

Review if concentrations are within stipulated limits

Report all significant risks

Discuss significant credit risks if any with COO