Manager/Chief Manager - Credit Risk - Bank

JOB DIMENSIONS :

Position : Manager/Chief Manager

Location : Varanasi

JOB SUMMARY : Assessment of Credit Risk of the Bank on a regular basis

KEY RESPONSIBILITIES :

- Review and Analysis of historical loan data to understand the pattern from default point of view

- Apply statistical tool to analyze the pattern and come with detailed assessment

- Review and Prepare risk dashboard for management which shows all important risk parameters

- Develop rating model/scorecard for various retail and corporate loans based on historical data

- Testing of scorecard/model on a regular basis and update

- Coordinate with various stakeholder for the rating model implementation

- Prepare and maintain database of loan product from risk assessment point of view

- Ensure data is correctly captured in the system and coordinate with different team to fix the issue

- Coordinate with IT team for the automation of credit approval process

- Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption

- Manage a small team to monitor the performance of the asset portfolio

EDUCATIONAL QUALIFICATIONS & CERTIFICATIONS :

- Graduate/ Post graduate degree in any stream.

TIFICATIONS :

RELEVANT JOB EXPERIENCE :

- Minimum 3-4 years of experience in the credit risk function,

- Overall 7 plus years of experience in Banking (preferably Risk).

SKILLS & COMPETENCIES :

Core Competencies :

- Good analytical skills

- Good presentation skills

- Good interpersonal skills

- Good knowledge of industries/sectors

- Leading and supervising

Technical Competencies :

- Good understanding of various Credit risk related jargons like balance sheet, income statements, asset inventory statements

- Good understanding of various regulatory reports of credit risks

- Good understanding of macro-economic scenario and its impact

- Good command of Excel and PowerPoint

- Advanced analytical skills as well as a thorough understanding of banking laws, regulation, and policies and the ability to apply and explain complex regulatory, financial, and analytical concepts