Manager - Credit Risk/Policy - Banking

Credit Risk Policy Manager - Banking

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

- 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