Credit Risk Management - Retail Finance

Job Profile :

To manage Retail Finance products and credit risk review program of the Bank effectively and efficiently. To help Head of Retail Finance, Branches and Retail Units Review during review assignments and ensure the review process follows the approved Audit & Risk Review manual and the Credit Risk Review manual in order to accomplish the department's objectives and corporate strategies and to protect the company from any franchise, legal or financial risks loss.

- Lead the Retail Finance Audits in line with Audit and Risk Review Manual and International Standards.

- Maintain an up-to-date record of retail business reviews listing discrete auditable entities.

- Assist and provide input to the Head of Retail Finance, Branches and Retail Units Review in developing the annual Branch Risk Review Plan.

- Maintain Risk Assessment Profile for each of the auditable entities within the Retail Finance Risk Review Program.

- Plan and execute individual review engagements leading a team

- Review and prepare a clear and concise audit reports.

- Conduct audit exit meetings with client management to discuss overall audit results, conclusion and audit ratings.

- Engage the team members at the end of each audit to effectively conclude the internal close of the review.

- Review working paper during the audit as well as prior to wrap up to ensure quality and completeness in documentation.

- Follow-up and Monitoring of audit recommendation implementation by the management.

- Participate in special assignments, consultancy services and investigations, whenever required.

- Prepare quarterly progress report on corrective action plans and submit to Prepare quarterly progress report on corrective action plans and submit to Head of Retail Audits and Credit Risk Review.

- Engage and build a trusted relationship with the management.

- Bachelor's degree in Business Administration, Economics, Accounting or Finance from a recognized institution. Certification in Credit Risk Management or CA/CPA will be an added advantage.

- Minimum 10 years experience in retail credit including 5 years in senior position in a leading bank, extensive knowledge and experience in reviewing portfolio quality and adequacy of credit risk management process. Good knowledge on credit policy & practices followed by leading banks.

- High degree of analytical, reasoning/judgemental skills for various industries. Excellent communication (writing & verbal) skills, good leadership skills, PC literate.

Interested Candidates Can apply,

Renita Frank