Posted By
Posted in
Banking & Finance
Job Code
1249893
Job Purpose:
- EWS Framework Review, Implementation and Back-testing:
- Implementation and Enhancement of EWS framework across various products in the Bank
- Workflow management and efficiency improvement of the EWS process
- Creation/Enhancement of EWS (Early Warning Signal) alerts in co-ordination with key stakeholders like IT, Analytics, Credit, Business etc.
- Evaluation and ongoing maintenance of EWS systems including data capturing, data completeness, data integrity and data quality
- Review of EWS alerts generated for classification of account as red flag/weak account
- Back-testing, validation, and implementation of Early Warning Signals
RBI Compliance Regulatory :
Reporting of EWS to top management - publication of EWS reports, conducting meetings
Job Responsibilities (JR) :
Actionable
Credit Monitoring Process
- Identify and augment credit processes and systems for enhanced quality and coverage of credit monitoring and credit risk control, at a borrower as well as portfolio / sub-portfolio level.
- Assess level of adherence of credit managers to the laid down credit processes.
- Highlight to management any deviation observed
- Examine root cause for credit delinquencies /deterioration in the portfolio, and use learnings for enhancing / improving credit process
Early Warning System
- Enhance / Improve early warning tools, so that these are comprehensive and effective in providing advance warning of potential credit deterioration / weakening / frauds.
- Create and manage suitable workflows that provide warning signals to credit managers for their accounts, and close out of the entire loop in terms of review, actionable, timeline, feedback.
- Ensure that actionables are closed out by the credit team in a timebound manner so that slippages are avoided.
- Highlight to management any deviation in achievement of early warning actionables
Portfolio Risk Review
- Periodically or event based carry out portfolio / sub portfolio reviews to create awareness of underlying quality, emerging trend, potential risk, and accordingly suggest corrective action
- Carry out stress tests on portfolio / sub portfolios jointly with the Credit team and the Policy team
Periodic reports on portfolio
- Publish reports for management consumption / action on portfolio quality, delinquency, portfolio behaviour, TAT, housekeeping, etc
- Publish Monthly / Quarterly review report on Wholesale Portfolio and key indicators, trends and highlights in the month / quarter, about the portfolio, credit environment, regulations, policy changes
Digitization
- Work closely with the credit team and IT in enhancing the usage of technology in credit monitoring, control and reporting; and reducing human effort and time in these areas.
- Interact with vendors to identify and adopt suitable tech solutions.
Educational Qualifications (examples listed below)
Key Skills (examples listed below)
- Chartered Accountant
- MBA from reputed Institute
- Credit Products & Process Knowledge
Communication
- Knowledge of systems & IT
- Analytical Ability
- Regulatory Framework
Experience Required
- Minimum experience in years - 5 yrs
- Exposure to banking and credit
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Posted By
Posted in
Banking & Finance
Job Code
1249893