SME Credit Risk Monitoring- EWS

Job Description

Client: BFSI / NBFC Role: Mid-senior level Risk Management – EWS Preferred Domain: Risk Management, Credit Monitoring, Portfolio Monitoring, Risk & Policy Preferred product: Loan against Property (LAP) / Construction Finance (CF) Experience: 3-9 years Location: Gurgaon Key Responsibilities: Implement and track the Portfolio Monitoring and Early Warning System (EWS) framework to identify early signs of stress. Coordinate with credit bureaus for regular Portfolio Health Checks and interpret data for early risk indicators. Conduct root cause analysis of stressed or non-performing accounts and implement learnings across the portfolio. Perform portfolio deep-dives to identify emerging risk trends and contribute toward improving portfolio quality. Regularly update EWS triggers in line with evolving macroeconomic risks and regulatory guidelines. Monitor the organization’s Risk Appetite by tracking prudential limits and flagging potential breaches. Analyze and monitor key industries/sectors within the lending portfolio and advise on risk outlook. Keep a close eye on macro-economic indicators and conduct impact assessments to evaluate exposure.