- This role is envisaged to operationalize various aspects related to Risk review, control and monitoring.

- Market Risk monitoring The role is to ensure strict adherence to various regulatory guidelines and BASEL requirements related to credit risk Review & Monitoring function.

- This role also envisages monitoring various aspects related to market risk including regulatory requirements.

- It would also include assisting the Chief Risk Officer (CRO), India on various aspects of credit, market risk and operational risk.

Key Result Areas:

- Credit Risk - Review, Monitoring & Control: Assist Chief Risk Officer (CRO), India in review of credit proposals and ensure that the business and customers are within credit risk guidelines laid down by the Head Office.

- Ensuring the appropriateness of credit rating assigned to counterparties as per requirements.

- Undertake peer group comparison and industry / sector analysis.

- Make customer calls as and when needed to assess borrower's credit worthiness.

- On-going monitoring of credit portfolio through early warning signals like share price, adverse industry / company information.

- Pro-active identification of potential weak credits to ensure maintaining credit quality and minimizing credit cost / losses.

- On-going monitoring of system reports to identify irregularities including overdrawing and overdue.

- Escalating the same to senior management Assisting CRO, India in drafting changes / modification in local credit policies and procedures (ie based on changes in local regulatory - RBI guidelines).

- Monitoring / exercising due date control to ensure timely submission of annual review of credit lines and rating.

- Use Monitoring of RBI local regulatory requirements including prudential norms to ensure adherence toSingle & Group Borrower norms, Large exposures, Sectoral / Industry limits, PSL, Country/Bank limits.

- Preparation of presentation material for Risk Management Committee meetingsincluding credit portfolio reports.

- Vetting of loan / security documents including sanction letters.

- Periodic checks to ensure adherence to covenants and credit conditions as stipulated in related loan agreements.

- Market Risk: Assist Chief Risk Officer (CRO), India in 'Market Risk management' within Mumbai branch independent of dealing / trading (front) and dealing back office functions.

- On-going monitoring of various limit's both internal (HO) and regulatory (RBI) with respect to dealing activities (FOREX & Money Market).

- Monitoring of various prudential limits and ratios pertaining to market risk.

- Assist CRO, India in implementation of Regulatory guidelines related to BASEL implementation related to market risk.

- Prepare MIS reports including presentations related to market risk for Asset Liability Committee (ALCO) and Risk Management Committee (RMC).

- Assist CRO, India during Annual Regulatory (RBI) inspection, statutory and internal audits.

- Assist CRO India in drafting policies and procedures related to Market risk.

- ICAAP reporting and stress testing related to relevant risk.

- Ensuring implementation of BASEL norms for credit and market risk as prescribed by local regulator - RBI.

- Operational Risk: Reviews of Risk Registers, conducting RCSAs, undertaking BIA/BCP and other Operation Risk management issues.

- All other activities/assignments, as may be assigned by CRO/CEO India in line with Business need.

- Operating Environment, Framework and Boundaries, Working Relationships.

- The function will be independent from the business units and is part of the bank's risk management function.

- The role, however, requires a high level of interaction and working relationship with front office, back office, Finance & Reporting functions.

- Problem Solving.

- High level of understanding of various aspects related to credit risk monitoring.

- The role also requires flexibility and a positive business approach to support trading / dealing activities of Mumbai branch.

Decision Making Authority & Responsibility.

- The Job holder will be responsible in assisting the CRO, India to ensure highest level of credit quality for the loan portfolio of Mumbai branch.

- He has to ensure adherence to sanction terms.

- The job holder is responsible for spotting credit weakness, irregularities and alerting front office for corrective action.

- The job holder will be responsible to assist CRO, India in implementation of various regulatory guidelines pertaining to market and operation risk including BASEL requirements.

- The job holder will be responsible in on-going monitoring of market and ops risk including prudential limits, ratios and related functions.

Knowledge, Skills and Experience:

- Minimum 8-10 years' experience in risk management in a bank in India.

- University Graduate & Masters Qualifications in Finance / Chartered Accountancy (CA).

- Advanced credit skills broad understanding on credit rating process.

- Excellent written / verbal communication skills.

- Adequate knowledge on RBI regulations related to corporate lending.

- Working awareness on loan documentation and various loan / credit products.

- Proficiency in quantitative and financial techniques / skills.