AVP - Credit Risk & Policy - BFSI

Position: Chief manager / AVP

Credit Policy and Risk Manager

Industry Type: BFSI / NBFC

Functional Area: Financial Services, Banking, Investments, Insurance

Employment Type: Full Time, Permanent

Education: PG :CA in Any Specialization, MBA/PGDM in Any Specialization

Keywords: Risk, Credit Risk, Credit Policy

Job Location: Mumbai/Jaipur

Experience Required: 10+ Years

Job Description:

- Designing, implementation & adherence of credit policy.

- Oversee changes to the Credit Policy, risk appetite and risk limits.

- Robust knowledge of end-to-end process and LOS is must.

- Experience in digitization and automation of credit and allied processes.

- Identifying and mitigating gaps in lending system and processes.

- Regulatory Compliances

Responsibilities of Credit Risk Manager:

- Vetting of all credit policies from the angle of inherent and control risks.

- Portfolio Monitoring of asset portfolio on regularly basis and submitting reports to Senior Management highlighting Risk areas.

- SWOT analysis of portfolio and highlighting gaps and suggesting actionable.

- Identification, measurement and mitigation of risks.

- The profile shall be responsible for ensuring the overall quality of the lending portfolio by planning & directing all aspects of Credit Risk.

- Building of Risk Matrix for Different Verticals.

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

- This role will be expected to fully understand the business and evaluate, improve and monitor it, including assisting in reporting to the Board and Board Committee.

- Identify and resolve material credit risk issues.

- Prepare reports deemed necessary to convey loan and portfolio to management and board.

- Interact with Executive Management as well as leadership of all departments to facilitate the accomplishment of company goals.

- Complete reviews/ projects and additional work within specified timescales and in line with departmental standards.

Skills & Competencies:

- Chartered Accountant/ MBA Finance

- Minimum 7-8 Years of Experience in Credit Policy & 4 to 5 Years into Credit Underwriting

- Ready to travel PAN India for business needs.