Credit Monitoring

4 weeks ago


delhi, India HDFC Bank Full time
Job Purpose:
EWS Framework Review, Implementation and Back-testing:
Implementation and Enhancement of EWS framework across various products in the Bank
Workflow management and efficiency improvement of the EWS process
Creation/Enhancement of EWS (Early Warning Signal) alerts in co-ordination with key stakeholders like IT, Analytics, Credit, Business etc.
Evaluation and ongoing maintenance of EWS systems including data capturing, data completeness, data integrity and data quality
Review of EWS alerts generated for classification of account as red flag/weak account
Back-testing, validation, and implementation of Early Warning Signals
RBI Compliance:& Regulatory :
Reporting of EWS to top management – publication of EWS reports, conducting meetings
Job Responsibilities(JR) :
Actionable
Credit Monitoring Process
Identify and augment credit processes and systems for enhanced quality and coverage of credit monitoring and credit risk control, at a borrower as well as portfolio / sub-portfolio level.
Assess level of adherence of credit managers to the laid down credit processes.
Highlight to management any deviation observed
Examine root cause for credit delinquencies /deterioration in the portfolio, and use learnings for enhancing / improving credit process
Early Warning System
Enhance / Improve early warning tools, so that these are comprehensive and effective in providing advance warning of potential credit deterioration / weakening / frauds.
Create and manage suitable workflows that provide warning signals to credit managers for their accounts, and close out of the entire loop in terms of review, actionable, timeline, feedback.
Ensure that actionables are closed out by the credit team in a timebound manner so that slippages are avoided.
Highlight to management any deviation in achievement of early warning actionables
Portfolio Risk Review
Periodically or event based carry out portfolio / sub portfolio reviews to create awareness of underlying quality, emerging trend, potential risk, and accordingly suggest corrective action
Carry out stress tests on portfolio / sub portfolios jointly with the Credit team and the Policy team
Periodic reports on portfolio
Publish reports for management consumption / action on portfolio quality, delinquency, portfolio behaviour, TAT, housekeeping, etc
Publish Monthly / Quarterly review report on Wholesale Portfolio and key indicators, trends and highlights in the month / quarter, about the portfolio, credit environment, regulations, policy changes
Digitization
Work closely with the credit team and IT in enhancing the usage of technology in credit monitoring, control and reporting; and reducing human effort and time in these areas.
Interact with vendors to identify and adopt suitable tech solutions.
Educational Qualifications (examples listed below)
Key Skills (examples listed below)
Chartered Accountant
MBA from reputed Institute
Credit Products & Process Knowledge
Communication
Knowledge of systems & IT
Analytical Ability
Regulatory Framework
Experience Required
Minimum experience in years – 5 yrs
Exposure to banking and credit
  • Credit Monitoring

    5 days ago


    Delhi, Delhi, India HDFC Bank Full time

    Job Purpose:EWS Framework Review, Implementation and Back-testing:Implementation and Enhancement of EWS framework across various products in the BankWorkflow management and efficiency improvement of the EWS processCreation/Enhancement of EWS (Early Warning Signal) alerts in co-ordination with key stakeholders like IT, Analytics, Credit, Business...


  • Delhi, India Ujjivan Small Finance Bank Full time

    ROLE PURPOSE & OBJECTIVEThe incumbent shall be primarily responsible in assisting Manager -Policy (Credit MSME) for formation and review of credit policy for new and existing products. He/ She shall also be responsible for providing support to MSME Credit for growing quality business with actionable insights based on analysis of MSME portfolio, market forces...


  • delhi, India Ujjivan Small Finance Bank Full time

    ROLE PURPOSE & OBJECTIVEThe incumbent shall be primarily responsible in assisting Manager -Policy (Credit MSME) for formation and review of credit policy for new and existing products. He/ She shall also be responsible for providing support to MSME Credit for growing quality business with actionable insights based on analysis of MSME portfolio, market forces...

  • Head Of Credit

    2 weeks ago


    Delhi, India upGrad Rekrut Full time

    Responsible for Credit Underwriting of Small LAP.Responsible for development of credit & risk management strategies for loans acquisition ensuring sustainable business growth & healthy portfolio for Small LAP products.Setting up process structure for credit risk & quality framework including the policy, Early warning Signals, Post disbursement monitoring...

  • Head Of Credit

    3 weeks ago


    Delhi, India upGrad Rekrut Full time

    Responsible for Credit Underwriting of Small LAP. Responsible for development of credit & risk management strategies for loans acquisition ensuring sustainable business growth & healthy portfolio for Small LAP products. Setting up process structure for credit risk & quality framework including the policy, Early warning Signals, Post disbursement monitoring...

  • Head Of Credit

    5 days ago


    Delhi, Delhi, India upGrad Rekrut Full time

    Responsible for Credit Underwriting of Small LAP. Responsible for development of credit & risk management strategies for loans acquisition ensuring sustainable business growth & healthy portfolio for Small LAP products. Setting up process structure for credit risk & quality framework including the policy, Early warning Signals, Post disbursement monitoring...


  • delhi, India Grow Asia Full time

    Position Title : Credit Management ExecutiveLocation : IndiaJob Type : Full-TimeSalary : Competitive, commensurate with experienceCompany Overview : Grow Asia is a leading provider of financial services support with a global client base. We are committed to delivering top-notch credit monitoring and management services to our international clientele. We are...

  • Credit Controller

    3 weeks ago


    Burari, Delhi, Delhi, India Goel Road Carriers Pvt Ltd. Full time

    Monitor and manage the credit control processes, ensuring adherence to company policies and procedures. - Evaluate and assess the creditworthiness of new and existing customers through financial analysis, credit checks and payment history review. - Set appropriate credit limits for customers based on risk assessment and maintain accurate credit files and...

  • Credit Analysis

    4 weeks ago


    Delhi, Delhi, India Barclays Full time

    Job Title: Credit Analysis Location: Noida About Barclays Barclays is a British universal bank. We are diversified by business, by different types of customers and clients, and by geography. Our businesses include consumer banking and payments operations around the world, as well as a top-tier, full service, global corporate and investment bank, all of...

  • Credit Control

    2 months ago


    Delhi, India Glan Management Consultancy Full time

    Monitor and manage customer credit accounts to ensure timely payment and minimize bad debt risk. - Assess creditworthiness of new and existing customers through financial analysis and credit checks. - Establish credit limits and terms for customers based on their financial status and payment history. - Coordinate with sales and customer service teams to...


  • Delhi, India Home Credit India Full time

    Job Description: Responsible for defining the credit underwriting framework Defining the strategies for credit approval and Credit Limit assignment Monitoring & meeting the acquisitionvintage risk levels within the risk appetite Defining the framework for repeat transaction authorization for revolving products Monitoring & meeting the transactionrisk levels...

  • Dgm Credit

    6 days ago


    Delhi, India Morpheus Human Consulting Full time

    Reference Code: - 517-60 - Job Title: **DGM Credit - Financial Services - Delhi** - Category: - Financial Services - Job Description: - Job Title: DGM Credit (Wholesale) - Financial Services - Delhi- Job Responsibility- Managing Credit Risk and Credit Decisioning for the entire wholesale/ SME Portfolio - Assessing project/company financial models,...

  • Credit Underwriter

    4 weeks ago


    Delhi, Delhi, India R K BANSAL FINANCE PVT LTD Full time

    Analyze credit data, income verification and other financial statements to determine the degree of risk involved in extending credit - Complete a thorough, in-depth analysis of new credit requests. The process includes analysis of income proofs, repayment record, loan limits, ROI - Compare liquidity, profitability, and credit histories of individuals being...

  • Credit Controller

    2 weeks ago


    Delhi, Delhi, India Lloyd Insulations (India) Ltd Full time

    Dear, As a **credit controller**, you will administer the credit control function, ensuring all outstanding debts are collected on time. You will be critical in managing our credit and collections processes, ensuring timely payment collection and minimizing credit risks. This also includes setting targets and KPIs and implementing relevant policies and...

  • Credit Controller

    2 weeks ago


    Delhi, India ASPB Services Pvt Ltd Full time

    **Job Brief** We are looking to hire credit controller to expertly manage the debts of our company. As a credit controller, you will be responsible for collecting debts from our company debtors, evaluating new credit requests, ensuring timely payments of company debts, processing invoices, maintaining the sales ledger, and providing administrative...

  • Credit Control

    5 days ago


    Delhi, Delhi, India Glan Management Consultancy Full time

    Monitor and manage customer credit accounts to ensure timely payment and minimize bad debt risk. Assess creditworthiness of new and existing customers through financial analysis and credit checks. Establish credit limits and terms for customers based on their financial status and payment history. Coordinate with sales and customer service teams to resolve...

  • Credit Officer

    4 weeks ago


    Delhi, India Ujjivan Small Finance Bank Full time

    **Credit Officer-Housing Loans-Delhi HO**: North 2201-Delhi HO, Noida, Uttar Pradesh, India - Department- NORTH CREDIT HOUSING- Job posted on- May 03, 2024- Employee Type- Permanent- Experience range (Years)- 1 year - 5 yearsJOB TITLE: Credit Officer-Housing ROLE PURPOSE & OBJECTIVE - Underwriting of Home loans cases - Monitoring of Portfolio of Home Loan...

  • Credit Manager

    4 weeks ago


    delhi, India Vivriti Capital Full time

    Role - Credit Manager / Senior Credit ManagerLocation - Delhi / Chennai / MumbaiAbout the Team:Credit team facilitates lending to existing & new clients by assessing creditworthiness, monitoring clients’ performance on a regular basis, and making suitable recommendations to the credit committees.The team is expected to do a deep dive financial analysis of...

  • Credit Risk Manager

    14 hours ago


    Delhi, India Piramal Capital & Housing Finance Limited Full time

    Responsibilities: 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...

  • Credit Risk Analyst

    3 weeks ago


    delhi, India Straive Full time

    Job Title: Analytics ConsultantLocation: RemoteJob Type: FulltimeYears of Experience- 3-8 yearsJob Overview:We are seeking a skilled and analytical Credit Risk Analyst to join our Analytics. The ideal candidate will have a strong background in data analytics and risk assessment. The Credit Risk Analyst will be responsible for assessing the creditworthiness...