Risk & Policy Role - BFSI

Key Objectives of the Job :

- Risk Assessment: Risk analysis of Asset Finance Deals for Construction Equipment, Commercial Vehicle, Leasing and Equipment Finance Business with key focus on risk assessment and structuring.

- Ability to assess deals across diverse industries, products, segments etc.

- Risk views for large ticket transactions and preparation of risk notes by doing in depth analysis of business profile, financials, industry, promoters/management and articulation of Strengths, Weakness and stipulation of covenants as deemed fit. Excellent verbal and written articulation skills.

- Policies and processes: Formulation and timely review of product policies in line with changing business environment and industry practices including amendment to policies and introduction of new products and processes.

- Portfolio Review and monitoring: Maintaining the portfolio quality, reducing critical delinquencies and bounce rates including High Value exposure tracking, Portfolio analysis and presentation to Senior Management Committees.

- Analyzing the portfolio data on monthly basis, monitoring of critical ratios/thresholds and triggers of the portfolio, actions to be taken wherever breached and timely updation to senior management.

- Industry research: Conduct industry research comprising of industry dynamics, demand and supply scenarios, market opportunities, peer group comparison, regulatory environment for the Industry being assessed

- Senior Management Presentations: Monthly risk review presentations, inputs for risk management committee presentation decks, adhoc reviews and other management presentations.

- Dashboards and Automation: Conceptualizing key areas in risk management and portfolio quality related parameters and working on Dashboard and automation projects for management reporting.

- Improvising data quality of the portfolio on need basis. Lead the automation project for Asset finance business including Risk packs, Tableau Dashboards and deviation analysis etc.

- Key Risk Metrics: Analytical inputs and computation of key risk metrics PD, LGD and RAROC.

- Regular Market & Customer Visits/ meetings for spreading Risk awareness in the team and get sense of the effectiveness of the Policy/ process.

- Process Audits, System, Score Card implementation and review , wherever applicable.

- Conducting regular trainings to various business teams such as Credit, Sales and Operations etc.