Unit Head - Early Warning Signals/Credit Monitoring - Bank

Principal Responsibilities :

- Drive Early warning signals for the bank, across all verticals including wholesale banking, SME & MSME segment, Retail Banking, rural banking and Liability products.

- Drive NPA module, Identify NPA accounts of the bank in lines with IRAC Norms, Identify all sort of SMA accounts and report to all the stake holders.

- Conduct portfolio reviews, identify areas of concern, facilitate discussion with stakeholders & formation of action plan.

- Regular monitoring of the account behavior of borrowers, through a mix of automated and manual tracking.

- Analysis of various early warning triggers to identify potential deterioration of the credit quality

- Monitoring and reviewing existing early warning triggers and developing new customer level early warning triggers, monitoring macro triggers, industry level trigger and feeding relevant information to the end users and to the Top management, identifying performance deficient relationships, maintaining watch list, monitoring list as per defined process.

- Interacting with the Business and Risk teams for providing updates on the triggers and finalizing of action plans and watch list accounts

- Reporting of the early warning accounts and portfolio trends and Management reporting.

An Ideal Candidate should possess :

- In-depth knowledge of Banking product suit specifically asset & treasury products to manage Exposure reporting of the Bank.

- Strong analytical skills and should have expertise in using analytical tool.

- In depth knowledge on IRAC norms and asset classification including provision norms for substandard assets.

- Must be well conversant with various internal/External reporting to Senior & Top Management and external/regulatory reporting (Ensure timely submission).

- Excellent knowledge of MS Excel, MS Access is a must, Knowledge of automation of Internal reports in excel by use of Macros/VBA along with working experience in Bank applications (CBS, LMS & LOS) would be an added advantage. Strong quantitative and analytical skills, experience on SAS analytics will be an advantage