Head Credit Policy and Portfolio, PB (ex-WM) - AVP

Role Description

To manage the Credit Policy and Portfolio for the Private Bank (ex-WM) in India

Your key responsibilities

Credit Policy

• Managing credit strategy for MSME lending primarily for products like Unsecured Business Loans, Loan Against property and Working Capital.
• Additionally managing credit policy for mid- market customers and home loans.
• Working on supply chain finance product, setting up infrastructure to cover policy, process, gating norms and monitor the portfolio performance and thresholds set
• Preparation of Credit Assessment templates, policy notes, KOPs and implementation of various applications.
• Managing risk and credit practice in line with Risk policy framework, banks risk appetite and business requirements.
• Adhering to RBI circulars from time to time on interpretating to same, checking impact of circular on the unit and implementing with requisite approvals
• Engaging with product, legal, compliance to establish risk management standards
• Managing credit authority for underwriters and timely review of same for necessary modifications as may be required.

Portfolio Management

• Managing Fintechs towards ease in processing and with enhanced credit diligence
• Identifying good and bad segments in the portfolio to recognize the risk and take policy action to arrest weaker segments
• Slicing and bisecting data on a regular basis to understand the portfolio performance at a product level, location level, segment level and the probable areas of concerns there
• Bureau engagement towards what is happening in the industry and subscribing to various insightful information on a time to time basis
• Portfolio presentation to various group stakeholders
• Set up restructuring framework and monitor the portfolio for further actions
• Managing timely renewals for working capital customers by setting out necessary processes, digitizing the aspects wherever possible and maintain risk standards.
• Monitor Quick mortality to understand the portfolio quality, sourcing, any learning from the mistakes, if any and if there is a need for any policy revisions to avoid errors.

Audits

• Managing various audits like regulatory audit, group audit, concurrent audit.
• Liasioning with auditors, sharing requisite information, adhering to timelines.
• Ensure closure of findings as per timelines and monitor the effectiveness going forward

Monitoring / EWS

• Complying to RBI requirement on EWS from time to EWS
• Engaging with fintech tracking on going functionalities and towards smoother implementation from time and time
• Understanding market dynamics and enhancing internal systems for making internal system EWS system robust
• Working on both internal and external alerts to get 360 degree view of the customer to pre emp stress in the customer and take timely actions
• Placing watchlist policy, putting the framework in place, tracking cases on a regular basis to monitor the portfolio movement
• Strategy implementation for timely exit of problematic customers
• Engaging with various institutions like CRISIL, CMIE, CIBIL, NSEL, fintechs, valuation agencies, law firms to understand the market dynamics on multiple aspects
• Staff Accountability Review given regulatory requirements and compliance to the same

Your skills and experience

Basic requirements

• Expertise in all aspects and functions of Credit Risk management, both in underwriting as well as policy / portfolio functions; as well as a strong understanding of relevant regulatory requirements

Skills

• Analytical and logical solutioning approach
• Project management
• Cross-functional liaising, both within and outside the Risk function
• Negotiation

Experience

• CA / MBA from premium institute
• 15 years of relevant work experience