SME Risk Manager - CA

SME Risk Manager - CA

Job purpose:

- Monitoring economic and industry developments in specific sectors/sub sectors as well as financial parameters of clients to detect potential risk triggers and take appropriate steps to mitigate the same.

Roles and Responsibilities:

- The work involves managing a team and to assess credit & fraud risk and suggest structures/ solutions for mitigating identified risks in the proposals to be put up to sanctioning authorities.

- Overall responsibility for the credit & fraud risk management function and oversee the underwriting / credit control of all loan files from risk standpoint

- Portfolio analysis and delinquency control, identification of weak geographies and branches, risk filtration of loan files, checking property papers, legal & technical report, deviation analysis, OTC monitoring, fraud identification and investigation, building risk triggers, transaction monitoring, identification of process gaps, etc.

- Assist in the development of a new lending platform and assist in the establishing and updating all lending policies & guidelines.

- Monitor performance of the loan portfolio and report to the Management Team on a periodic basis.

- Predicting tracking and raising triggers by following sound risk management protocols and adhering to regulatory requirements.

- This position will ensure an effective risk management program is in place within the company, by establishing the framework for risk management activities and driving consistent standards across the organization.

- This position will identify credit risk; assess enterprise effectiveness in managing these risks through appropriate internal controls; and build awareness of the business implications of overall SME risk (including credit risk, fraud risk & operational risk), and how to manage risk, as part of the leadership culture.

- In addition, this role will ensure effective credit risk management and corporate governance practices are established and maintained.

Specification & Key Requirements:

- Deep knowledge of SME/LAP/Mortgage/Housing product, credit policies, Risk triggers, process flow in SME/Mortgage product and unsecured Product, experience in validating and implementing risk models and strategies.

- You would ensure that the customer portfolio meets the quality measures

- Portfolio analysis and Passion for using data and algorithm to drive underwriting decisions, extreme comfort with technology.

- Passionate, creative, innovative and looking to work in a fast-paced and collaborative environment.

Includes:

Education: CA , Specialized Knowledge

Skill Set (Must):

- Experience in SME & Mortgage product preferably in Credit & Risk

Skill Set (Desired):

- Credit Risk/RCU/Fraud investigation/Data Analytics/Knowledge of property papers/ Legal & technical reports