Senior Manager Credit Risk Partnerships

Location

Mumbai | India

Job description

Purpose of Job: This role is responsible for analysis; risk identification and mitigation of various new products being launched by the company. Additionally, portfolio analysis, planning and implementation of key projects to improve.

Essential Qualifications: MBA from top tier institutes

Essential Experience:

• Expert with sharp focus on portfolio (non-housing loan book) analysis with focus on execution. Analysis of the different products/policies in line with the current landscape
• Pointing out on the opportunities and issues and suggesting corrective action to the stakeholders
• Expert in presentation skills for various management reviews/committees
• Reviewing the product and policies notes from a risk standpoint and suggesting improvements for overall risk mitigations.
• Support delivery of end of period AUM, focus on operational efficiency through consolidation and process improvements
• Review the portfolio performance and its impact on the business profitability. Highlight the variances to the stakeholders
• Portfolio management based on accurate evaluation of the portfolio performance, market developments and product management imperatives.
• Pivotal role in launching new product/program considering the risk appetite of the organization and in line with profitability benchmarks
• Deliver best practices across all the domains with specific focus on risk management
• Aid conduct of audits (internal/statutory etc.) and help closure of points to satisfaction without any adverse comments

Deliverables:

• Monitoring portfolio distribution, concentration, and segmental risk. Monitor portfolio performance and risks emanating from the same across product, geography, program etc.
• Monitoring Portfolio risk through dashboards and early warning signals, risk limit framework. Close monitoring of early warning indicators, early delinquency, bounce rates, non-starters, and other trends.
• Working closely with model risk and BIU team to get risk estimation models fine-tuned.

Trigger monitoring and control

• Coordinating with analytics team for preparation/improvement in various management dashboard/ Analysis/ development of score card

Regulatory compliance

• Interaction with various team including business/product/credit/operations/legal/compliance/technology/Audit and of course competition to be in line with the requirements
• Conduct portfolio review on regular basis, note the action, coordinate, and execute the actionable

Job tags

Salary