Senior Associate, Specialist, Risk Policy, Risk Management Group

Business Function

Risk Management Group works closely with our business partners to manage the bank s risk exposure by balancing its objective to maximize returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure.

Job Duties and Responsibilities:

• Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan India
• Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
• Design & manage MIS reporting for credit cards portfolio - Gather risk/business requirements, interpret and analyze and present them to the Leadership through dashboards, visual reports etc.
• Streamline and automate credit risk reporting to ensure timely and accurate generation of reporting outputs by required due dates.
• Link process metrics, performance metrics and set up benchmarks for comparable projects and processes
• Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance
• Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team
• Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
• Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions
• Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps
• Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up

Experience

• Minimum 10 years of experience in Consumer Banking (preferably Credit cards/Unsecured loans).
• Exposure to Digital Lending space would be good to have.
• Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the credit cards business and market.
  Tier 1

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We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.