Piramal - Assistant Vice President - Provision Management - Collection Analytics

- 6-11 years in Credit risk, provisions, and retail lending with expertise in ECL, Credit Cost Forecasting, and analytics tools (R/Python/SQL/SAS)

- Manage end-to-end provisions including forecasts, variance analysis, partner with Collections, Finance, Product, and Risk teams to optimize credit cost and P&L outcomes

- Owning end to end provisions management for the organization including forecasts, actuals,variance analysis and business commentary.

- Identify and quantify drivers of Credit cost movement and recommend interventions

- Partnering with Collections team to optimize recovery strategies to meet the provisions targets

- Working with Finance team to manage P&L outcomes

- Working with Product team to present clear insights to meet product level Credit Cost targets

- Working with the Risk Management team to create an optimal ECL policy for the organization

Essential Skills & Experience :

- 6-11 years of experience in Credit risk / collections analytics / Provisions

- Understanding of ECL, Credit Risk and Product P&Ls

- Experience in Credit Cost Forecasting and portfolio analytics

- Experience in Retail Lending

- Knowledge of Analytics Tools (R/Python/SQL/SAS/MS Excel, etc) withemphasis on problem solving

- Stakeholder management

Success Metrics:

- Accuracy of provisioning/ ECL forecasts vs actuals

- Identification of the key portfolio risk drivers

- Suggested interventions for collections strategy

- Reduction in Credit Cost volatility and alignment to organizational P&L