Team Lead - Portfolio Monitoring

Client - L&T Financial Services

Location - Kalina

Team Handling Role

Job Description -

- Maintaining operational and credit risk control over sanctioned and disbursed portfolio by effectively applying Monitoring tools.

- Monitoring portfolio to assess delinquency trends across various locations, profiles, programs, products & other parameters; Monitoring non-starters, bounce rates, collection efficiency, delinquencies.

- Analysing above trends regularly to understand overall portfolio behaviour and also reasons for defaults by individual customers / segments. Suggesting appropriate modifications in policy, product, program etc based on trends observed.

- Competition benchmarking (peers and industry level) and tracking portfolio trends in retail financing products viz. 2-wheeler, Farm Equipment, Personal Loans, Micro Finance loans etc. which will help in improving product and policy framework

- Maintaining, enhancing and managing the Early Warning System (EWS) mechanism

- Post disbursement sanctioning and monitoring framework including documentation, disbursement of loans.

- Designing and developing various portfolio decks for the monitoring of portfolio - delinquency, repayment and outstanding segment wise, disbursements, sanctions across various critical parameters and demography

- Designing and executing various dashboards and reports for Credit parameters

- Deriving and highlighting analytical insights from the portfolio monitoring to senior management and stakeholders in order to augment policy decisions across various parameters like demography, schemes, customer segments, industry etc.

- Planning, developing and executing reporting activities that would help in managing the credit perspective through various analytical approaches

- Analysing bureau data and findings

- Preparing review notes and presentations for senior management