Senior Manager Manager - Credit Monitoring EWS with a Large Private Bank

Job Purpose

• To help in identifying early warning signals develop system to help end users in various business units
• To initiate corrective action (workout plans for exit accounts and potential NPL accounts) in a timely manner through the local business and credit teams
• To help in implementation of system initiatives of the unit
• To track the distribution of the portfolio in terms of risk type product suite regional nuances granularity customer grading etc.
• To be a repository for critical information on the portfolio
• Handling all regulatory aspects of MSME segment and help in formulating policy for SME segment of the bank.

Job Responsibilities

Analysis of Portfolio & Customer Behaviour

• Analyze the portfolio by way of granularity vintage etc
• Highlight management in case of any divergence observed
• Analyze portfolio collateral coverage
• Delinquency tracking
• Monitoring feedback on delinquency
• Banding of individual customer basis a/c behavior
• Providing triggers to front end on portfolio

Portfolio Monitoring

• Analyze impact of RBI regulations exchange rate fluctuations on the portfolio
• Impact of reporting on portfolio
• Analyze specific industry wherein deviant behavior observed like Agri
• Publish reports for management consumption / action on delinquency portfolio behaviour TAT etc
• Review monthly report of TAT approval % etc to ensure unit is adhering to required benchmark
• Publish monthly Newsletter for the unit

System Support & Digitization

• Provide complete requirement to IT & BTG to help line business and credit teams
• Carrying out UAT wherever required
• Ensuring training of all stakeholders on system
• Obtain line requirement on smoothening of process and providing solution for the same
• Any system requirement to be analyzed and discussed with IT / BTG
• Help the unit for faster adoption of digitization journey

Candidate Profile

CA / MBA with 2 years experience in Credit. Monitoring Early Warning Signal (EWS) Risk Monitoring or Portfolio Monitoring

credit monitoring,risk monitoring,EWS,Early Warning Systems,early warning signal