HDFC Bank - Sector Manager - Wholesale Credit Risk

Job Purpose:

Key purposes of the role will be to ensure overall credit quality of the portfolio managed by the individual in the wholesale segment (with max of 2-3 sectors mapped to each manager).

Incumbent will be responsible for:

- Providing independent risk view and recommendations on credit exposures in Wholesale segment above a particular threshold. Specialisation expected in 2-3 main sectors per manager.

- Developing inhouse research on core sectors, analysing internal reports and portfolio within the Bank in these sectors and supporting the Portfolio management team for Wholesale Bank.

- Ability to work with multiple stakeholders and a self starter are important pre requisites for this role.

Job Responsibilities (JR): 6 - 8 Areas

Actionable (4-6)

Process Management

- Closely monitor various sectors where the bank has exposures, and developments in these sector

- Develop a framework of Key Risk Indicators for monitoring each sector

- Responsible for assigning ratings to Industries within the sector and taking necessary rating actions for changes in the risk profile of the industry

- Actively challenge ratings assigned to borrowers in the specific sector by the rating analyst

- Based on these indicators we will Monitor Banks portfolio in the sector and highlight changes in risk profile to the senior management and the RPMC

- Provide inputs for Development of Early warning triggers specific to the sector

- Provide inputs and actively participate in building rating models specific to the sector

Educational Qualifications:

Key Skills:

- CA/MBA in finance

- Should have worked in credit underwriting, and have knowledge of industry sectors and regulatory framework

Experience Required (examples listed below)

- Minimum Banking experience in years- 6-8 years (preferably with minimum 3 years in credit/risk or a clear inclination to do analytical work in the domain of credit risk)

- Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)

Wholesale credit

Wholesale business

Compliance

Internal Audit

Credit Administration

CPRA/Ratings team within Integrated Risk Management