Posted:2 weeks ago|
Platform:
Work from Office
Full Time
Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank.
• Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern.
• Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders.
• Ensuring process & underwriting efficiencies through tech initiatives/digitalization.
• Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance.
• Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies.
• Support system changes to improve quality of data and ease of processes.
• Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews.
• Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement.
• Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis.
• Should have knowledge and experience of handling structured transactions viz. LRD and should have knowhow of products
• Data analysis & Automation: Utilize the data analytics to gain insights into credit trends, customer behavior, and portfolio performance and use this information to optimize credit policy decisions. Collaborating with the Data science & Tech team for increasing the extent of automation and system decisioning to maximize the coverage of transactions through system. Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system. Ensure successful UAT is conducted for all BREs coded in the system.
• Collateral Analysis and Monitoring: Identification of monitoring of risks related to collateral including PDD checks, title search, pricing valuation changes, recoverability etc.
• Regulatory Compliance: Stay up to date with the latest regulatory guidelines and ensure the credit policy adheres to all the relevant legal and regulatory requirements set forth by the relevant authorities.
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