Senior Credit Policy Manager - Wholesale Banking

Job Title Senior Credit Risk Policy Manager - 85% Wholesale 15% Retail

Department Enterprise Risk

Grade AVP/DVP

Location Mumbai CO

Reporting To Head - Credit Policy - Diwakar

A.Position Purpose:

- The position is responsible for management and governance of Risk Policies (Wholesale and Retail, both). The position shall entail coordination with stakeholders from Business and all Support functions, as well as interaction with Statutory Auditors and Regulators.

- This would include all facets of risk. As these inputs are used for strategic decision making, accuracy and timeliness is of utmost importance.

B. KEY Position Responsibilities :

Sr. Key Responsibilities but not limited to:

1. Create Risk Dashboards and other ad-hoc analytical requirements for presentation to Board & Senior Management on time with accuracy

2. Draft, Create & Manage Risk Policies keeping in mind regulatory changes and business exigencies, as well as Disseminate to relevant stake-holders

3. Interact with internal stake-holders from Business, Credit function and other support functions on various aspects of Business, Risk and Risk Policies

4. Manage interactions with Statutory Auditors and Regulators on Risk and Risk related Policies of the Bank

5. Ensure Risk data points as collated and submitted to regulators are accurate. Build in necessary controls and validation framework to ensure data accuracy

6. Ensure data used for MIS and Analytics is accurate and take pro-active steps to address data quality issues

7. Take up risk projects to enhance productivity and automate manual processes as feasible and appropriate

C. Qualifications and Experience Requirement :

Qualifications :

Essential - MBA and/or CA from a premier Institute.

Experience :

Essential Minimum :

- 7-12 years of experience in Banking/Financial Services/Consultancy

Preferred - Good knowledge of Credit Products and credit appraisal methodology

- Good Data Management & data interpretation skills

- Good communication, negotiation and presentation skills

- Problem solving skills to meet strict timelines while working with unstructured data

- Good inter-personal skills to manage and coordination with stake-holders from other departments

D. Competency Requirements :

a. Technical Skills :

Skill Attribute :

Analysis :

- Research to understand data points required to produce a certain result or data analysis

- Requirement gathering to produce structured, functional specifications

- Strong analytical skills

EUC Skills :

- MS Excel, Word & Power point

Business Acumen:

- Make judgement on materiality of issues, and prioritize accordingly

b. Behavioural Skills :

Competencies Attribute :

- Self-Driven Self-starter & self-driven & should continuously improvise

- Accountability Being answerable and liable

- Attention to Detail Being meticulous and checking the nitty gritty

- Conceptual Thinking Ability to identify patterns or links between seemingly unrelated issues

- Creativity Creating new & imaginative ideas to be applied as solutions

- Teamwork Working Collaboratively to achieve the common goals

- People Skills Understanding people; using appropriate approaches to obtain results

- Communications The ability to convey information to others effectively and efficiently

- Time Management Managing time effectively - allocating the right time to the right activity

- Problem Solving Using generic or ad hoc methods, in an orderly manner, for finding solutions to problems

- Initiative Ability to assess and take initiatives independently