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Hiring Manager at Femahead.com
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Head - Credit Risk - BFSI (10-15 yrs)
Job Description :
- Manage the Risk Policy, Credit Underwriting and Collection functions
- Responsible for managing Enterprise Risk Management (ERM) framework, including updating, establishing new risk management mechanisms, to identify, assess, monitor, measure and control a broad spectrum of risks.
- Portfolio Management in line with thresholds laid down in the Credit Policy, ensuring Delinquency, NCL(Non-Conforming Loan) & ROA (Return on Assets) is maintained at acceptable levels.
- Create KPIs for performance of organizations performance and track Key Risk Indicators (KRIs) for each aspect of ERM.
- Facilitate the development and constant updation of risk policies and related frameworks.
- Constantly monitor and evaluate Early Warning Signals and deploy/ amend the limits structure for managing the risk concentration across a broad range of parameters
- Monitor capital metrics against capital risk limits and indicators, and escalate breaches
- Ensure accuracy of capital metrics being reported
- Perform independent assessment of the firm's capital management activities such as assessment of the firm's internal minimum capital targets and post stress internal minimums, and firm wide and LOB capital allocation results
- Perform deep dives impacting firm's capital such as changes in regulatory requirements, firms- risk and/or balance sheet, market dynamics and present to senior management
- Lead projects to enhance risk and leverage based capital metric monitoring
- Build collection process and policies from intake until recovery in-line with industry best practices.
- Provide early warning, feedback to risk, operations, legal, analytics & business teams for improvement in collections and underwriting
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