Credit Risk Product Policy Manager - Portfolio Analysis - Banking

Credit Risk (Product) Policy Manager Portfolio Analysis

JD for Credit Risk Role :

Responsible for analyzing the portfolio, reviewing and approving Credit policies and their modifications

Deliverables :

- Monitoring portfolio distribution, concentration, and segmental risk. Monitor portfolio performance and risks emanating from the same across product, geography, program etc.

- Monitoring Portfolio risk through dashboards and early warning signals, risk limit framework. Close monitoring of early warning indicators, early delinquency, bounce rates, non-starters and other trends.

- Continuous and structured monitoring of credit underwriting policies, framework and related processes for respective products. Approval of new policies, programs and review/amendments of existing policies.

- Suggesting improvements in underwriting policies, processes based on portfolio performance

- Working closely with model risk and BIU team to get risk estimation models fine tuned.

- Trigger monitoring and control - Coordinating with analytics team for preparation/improvement in various management dashboard/ Analysis/development of score card

- Pointing out the opportunities, issues and suggesting corrective action to the stakeholders

- Track risk management best practices across industry and evaluate the same for implementation.

- Regular coordinate with various units including Finance, Credit, Policy, Audit etc.

- CA/ICWA/MBA Finance

- Preference for certifications like FRM, PRM, CFA etc

- 3-10 years of relevant experience in Credit underwriting/Portfolio level analysis of Banking products, services and operations

- Flair for analytics

- SME for the relevant product

- Deep experience & understanding of retail finance products, services and processes of NBFCs, Banks