HDFC Bank - Credit Analyst - Retail Credit Strategy Unit

1. Tableau Development

- Creating Analytical Dashboards that can be used by supervisors in the line Credit Team

- Interacting with RCHs and ACMs for improvement in these Tableau Platforms

- Ensuring accurate and timely updation of Tableau Dashboards

2. Monitoring Probability of Default (PD)

- Monitoring of Expected Probability of Default (PD) v/s Observed weighted average PD and reporting the key findings to PRM, APRM and regional teams

- Monitor and review exceptional trends in through the door for key demographic / parameters (such as income, age, vehicle segment).

- Benchmarking of top location/state level PD's and monitoring for incremental disbursement. (All the disbursal of the location/Hub/State)

- Monitoring of early trigger at portfolio level basis P27 bands - Non-starters, EMR, High ticket delinquent cases, life tables.

- Compilation and extraction of data for various analysis and put them in structured way for meaning full interpretation

- Publishing monthly newsletter and following with Line on various reports / data / deliverables and then follow up for improvisation

3. Model testing/Dashboards

- Comprehensive testing of Models and fixing of errors before new roll outs in the system.

- Ensuring the maximum deviations are automatically triggered in front end system and ensuring improvement of data quality through Online PAR audits.

- Preparation and validation of database to be uploaded for Pre-approved & Pre-qualified campaigns

- Monitor the performance of the P27 / scorecard through changes in approval ratios, increase / decrease in Probability of Default (PD) rates.

- Publish interactive reports and dashboards report scheduling using Tableau server to review through the door trend for Probability of Default and loss rate.

4. PAR Management

- Publishing of PAR reports on a monthly basis and bring down and maintain the PAR error rates below benchmarks

- Ensure adherence to defined policy and processes through routine PAR audits. Regular review of PAR format and scope to cover the latest changes in policy and process change

- Cross functional interaction to initiate process changes to plug the process gaps based on PAR findings. Traveling to Key locations for PAR workshop & system implementation

- Monitoring Key metrics like TAT, Reworks, Rejects, Approvals, Rejections, Deviations, Dropouts and drive corrective action in locations which reflect abnormal variance from benchmarks

5. NPA and Stress Accounts Reporting

- Identification & reporting of SMA accounts. Sensitizing business/location team on clearance of overdue amount so as to avoid them from getting reported. Freezing of limits where accounts have been reported as SMA by other Banks/NBFCs.