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Senior Relationship Manager at Waytogo Consultants.in
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Vice President - MIS Credit Collection Analytics - BFS (10-18 yrs)
- Support sound credit risk management and achieve optimal level of risk-reward balance for CBG portfolios
- Cultivate & maintain a consistent consumer credit culture in the Bank to ensure compliance with internal controls and regulatory standards
Key Accountabilities :
- Perform portfolio analysis, monitor portfolio performance and proactively manage emerging risks due to macro-economic and regulatory changes.
- Forward-looking risk identification and management across different risk types.
- Engage proactively with stakeholders from Business, Business Analytics, Credit Strategy, Credit Approval, Technology, Operations
- Provide management and regulatory reporting and commentary on portfolio performance and key trends
- Support Credit Digitalisation projects
Duties & responsibilities :
Perform regular and ad-hoc risk reporting to consumer credit management/ line of business stakeholders and MIS preparation for regulatory reporting.
- Run and produce MIS for reporting on risk exposures and metrics to enable informed and strategic decision-making.
- Identify opportunities/ gaps to improve data quality and existing reporting processes
- Apply analytics and data mining techniques using credit data and alternative data sources to monitor portfolio performances based on established portfolio triggers
- Present MIS & data in required formats which are visual, universally understandable or easy to interpret (e.g. dashboards).
- Analyse portfolio performance to assess risks and opportunities to maximize product profitability.
- Conduct portfolio stress testing to establish portfolio risk tolerance.
- Establish credit methodology to derive customer level income and max indicative secured credit limit using banking and credit bureau data.
- Provide UAT support for any data migration or MIS platform enhancement to ensure successful implementation.
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