HDFC Bank - Credit Monitoring & EWS Manager - Risk

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