Head Credit Risk for Digital Finance Business -( Personal Loans, Consumer Loans or Unsecured loans )

- Candidate should be handling the Credit risk portfolio for Personal Loans, Consumer Loans or Unsecured loans products

- Managing the credit risk review function of the company relating to all types of lending undertaken by the company.

- Ensuring that all credit facilities and loans are designed as per the RBI regulations and company's credit and risk philosophy

- Review the overall adequacy and effectiveness of the credit risk management techniques and processes.

- Monitoring that Credit Risk Dept.

- Adheres to policies and procedures presented in the Credit Policy Manual.

- Monitoring that credit facilities approved are permitted in compliance with the terms of sanction and with current Bank Credit Policy.

- Monitoring that existing credit lines are monitored to identify problematic accounts that require remedial action and that appropriate action is recommended to the Risk Management Committee

- Coordinating with external and RBI auditors reviewing credit facilities.

- Creating periodic analyses and reports regarding the performance of the loan portfolios and submitting to the CRO and the internal committees

- Creating internal Early Warning Signal framework for each of the loan portfolios and ensure reporting basis same

- Carry out detailed portfolio analytics and arrive at good/ bad segments and accordingly guide business strategy

- Engage with IT/ Digital Team in developing credit scoring models

- Help establish credit risk strategies for each of the key business lines of the company

- Engage with all business units, collections, credit teams, operations teams, etc and their respective vertical heads

- Establishing goals and objectives for his/ her direct reports in keeping with the company's risk management philosophy - Promoting / coordinating effective cross-training across business verticals and credit risk teams

Qualifications/Experience :

- University degree in Banking / Finance/Mathematics/Statistics and / or Economics from a recognized university, pref. with MBA/CA or equivalent

- About 15-17 years of related experience of which minimum 10 years in credit risk management and leading positions in Banking or in a Financial Institution.

- Experience in dealing with various retail asset products

- Highly developed analytical skills

- Strong computer application skills particularly with M.S. Excel. And/ or other data tools

- High level of communication skills

- High level of Team and stakeholder management skills

This job opening was posted long time back. It may not be active. Nor was it removed by the recruiter. Please use your discretion.