HDFC Bank
Location
Mumbai | India
Job description
Job Purpose Drafting credit risk policy and management committee notes for retail loan portfolio. Design, administer and implement the Credit policy backed by analysis. Manage and monitor Retail Loan portfolio and provide insights on portfolio quality. Conduct portfolio reviews, identify areas of concern, facilitate discussion with stakeholders & formation of action plan. Carry out analyses to study risk dynamics across various products and portfolios - due to external/ internal factors. For Product Risk review and analysis, responsible for conducting detailed and periodic reviews of a cluster of products falling under Retail assets and/or SME segment. Objective is to identify and highlight risk related to various functions associated with a Product viz. Process, Policy, Underwriting, Collections, RIC. This role has to provide basis of all findings to all High level and track corrective actions in due course.
Job Responsibilities(JR) Actionable
· Identify High Risk Factors impacting
Process, Policy, RIC, Operations and
Collections Policy Review and Analysis of Process flows, Credit Policy, Credit Underwriting activities, RIC activities, Operations activities, Early Warning Mechanism, Deferral and PDD Management, Vendor activities, Collections Mechanism etc.
· Substantiated High Risk Factors and
emerging trends through Long term Data
analysis to Process, Policy, RIC and
Collections. Analysis of Long term Portfolio behavior for identification of High Risk Factors and Indicators. Establishing and substantiating Key Observations and Recommendations through Data analysis.
· Recommend changes in Policy and
Process for implementation. Preparing Detailed Product Review Presentation for Management. Securing concurrence of each key stakeholder (various Functional Heads) on Observations and Recommendations by building consensus on key issues identified
· Secured time bound plan for
implementation of agreed ERM
recommendations by various Functional
Heads. Creating time bound plan for implementation of mutually agreed recommendations by various Functions.
Educational Qualifications Key Skills
MBA /Post Graduate in Finance/ Banking/ Chartered
Accountant. Along with Engineering/ Statistics
background preferable. · 'Hard core experience and understanding of Retail Credit & Risk · Risk Terminologies and conceptual understanding · Basics of Basel Norms · Retail Asset Products, Policies, Credit, Collections, RIC, Credit Processes ' · Data Analysis from large data dumps · Should be well versed with MS-Excel to handle large data, functions and formulas · PowerPoint presentation. Should be able to engage with Internal and External Stakeholders. Logic and reasoning abilities, strong inter-personal skills, strong written and verbal communication skills, Presentation skills
Experience Required
· Prior experience of minimum 7-10 years in Credit Risk Management in BFSI sector with in-depth
understanding of Credit Risk in Retail Assets/SME. Basic understanding of ICAAP and BASEL Norms.
Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) · Risk teams · Finance · Operations · Internal Audit and Compliance · Business teams · Regulatory
Job tags
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