Team Member

As an Internal Rating Validation specialist at our organization, your primary responsibility will be to evaluate and validate credit ratings for corporate, SME, business banking, NBFC, MFI, broker, and bank clients. Your key activities will revolve around conducting detailed reviews of credit aspects such as industry analysis, business evaluation, financial assessment, and management scrutiny. You will be expected to prepare rating rationale and provide explanations for any changes in risk scores. Additionally, part of your role will involve reviewing deviations to the credit policy of the Bank, offering recommendations and comments on proposals presented to the Board-level credit committee, and approving judgmental rating actions as per the delegation matrix. Collaboration with stakeholders from Credit and Business departments for decision-making purposes will be crucial. Effective interaction with various business and credit groups across different sectors including Large Corporates, Emerging Local Corporates, NBFCs, Brokers, MFIs, Projects, Small and Micro Enterprises, and Business Banking is essential for this role. You will also be responsible for resolving internal audit, external audit, and RBI queries efficiently. Furthermore, you will play a vital role in recommending on the classification of Borrowers under Financial Difficulty, updating industry risk scores, monitoring industry developments, benchmarking companies within sectors, and ensuring adherence to defined processes and timelines. Moreover, you will be tasked with defining and facilitating the achievement of goals and key performance indicators for your direct reports, implementing performance management processes effectively, nurturing talent within the team through guidance and coaching, developing a talent pipeline for key roles, and mentoring high potential individuals within the organization. In summary, your role as an Internal Rating Validation specialist will require meticulous attention to detail, effective communication and collaboration skills, a proactive approach to problem-solving, and a strong commitment to upholding organizational standards and objectives while fostering talent development within the team.,