Lead - Credit Policy and Process
Lead - Credit Policy and Process
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Job Description
Key Result Areas (Max 1325 Characters)
Supporting Actions(Max 1325 Characters)
ECL Provision computation
- System application Management
IRAC Provision computation
- Template worksheet computation
Regulatory Reporting
- Monthly reporting to regulator
Bureau Reporting
- Monthly reporting to Bureau
ICAAP Testing
- Annual Assessment
Audit Actionable
- Manage the conduct of audit and Provide maintain data trails
Job Purpose -
calculate the Credit Cost via Expected Credit Cost Model(ECL) as per IND AS requirements along with comparison with IRAC regulatory Norms.
monitor and maintain the ECL model along with computation of input parameters like Probability of Default ( PD) Loss given default (LGD) at quarterly intervals.
testing of the ECL Model for efficiency and Forecasting of Credit Cost.
Capital Adequacy Assessment Process (ICAAP) Annual review and Forecasting.
Regulatory Reporting to NHB of organisation data along with record maintenance and to provide clarification in case of any Observations.
6. Risk model building along with analytics and testing and validation of such models.
7. Policy formulation based on risk models and monitoring the portfolio behaviour and changes in model for improvements in model efficacy
Mortgage Portfolio trends patterns and Segment Risks.
of Various Risk Relevant MIS and Presentation for Policy formulation and decision making.
10. Process improvements & Automation along with for Data sanity for reportings to internal and external stakeholders.
Employment Type
Full Time
