Credit Policy and Portfolio, PB
1 day ago
Credit Policy and Portfolio, PB - AVP
Position Overview
In Scope of Position based Promotions (INTERNAL only)
Job Title: Head - Credit Policy and Portfolio, PB (ex-WM) - AVP
Location: Mumbai, India
Role Description
To manage the Credit Policy and Portfolio for the Private Bank (ex-WM) in India
What we'll offer you
As part of our flexible scheme, here are just some of the benefits that you'll enjoy,
- Best in class leave policy.
- Gender neutral parental leaves
- 100% reimbursement under childcare assistance benefit (gender neutral)
- Sponsorship for Industry relevant certifications and education
- Employee Assistance Program for you and your family members
- Comprehensive Hospitalization Insurance for you and your dependents
- Accident and Term life Insurance
- Complementary Health screening for 35 yrs. and above
Your key responsibilities
Credit Policy
- Managing credit strategy for MSME lending primarily for products like Unsecured Business Loans, Loan Against property and Working Capital.
- Additionally managing credit policy for mid- market customers and home loans.
- Working on supply chain finance product, setting up infrastructure to cover policy, process, gating norms and monitor the portfolio performance and thresholds set
- Preparation of Credit Assessment templates, policy notes, KOPs and implementation of various applications.
- Managing risk and credit practice in line with Risk policy framework, banks risk appetite and business requirements.
- Adhering to RBI circulars from time to time on interpretating to same, checking impact of circular on the unit and implementing with requisite approvals
- Engaging with product, legal, compliance to establish risk management standards
- Managing credit authority for underwriters and timely review of same for necessary modifications as may be required.
Portfolio Management
- Managing Fintechs towards ease in processing and with enhanced credit diligence
- Identifying good and bad segments in the portfolio to recognize the risk and take policy action to arrest weaker segments
- Slicing and bisecting data on a regular basis to understand the portfolio performance at a product level, location level, segment level and the probable areas of concerns there
- Bureau engagement towards what is happening in the industry and subscribing to various insightful information on a time to time basis
- Portfolio presentation to various group stakeholders
- Set up restructuring framework and monitor the portfolio for further actions
- Managing timely renewals for working capital customers by setting out necessary processes, digitizing the aspects wherever possible and maintain risk standards.
- Monitor Quick mortality to understand the portfolio quality, sourcing, any learning from the mistakes, if any and if there is a need for any policy revisions to avoid errors.
Audits
- Managing various audits like regulatory audit, group audit, concurrent audit.
- Liasioning with auditors, sharing requisite information, adhering to timelines.
- Ensure closure of findings as per timelines and monitor the effectiveness going forward
Monitoring / EWS
- Complying to RBI requirement on EWS from time to EWS
- Engaging with fintech tracking on going functionalities and towards smoother implementation from time and time
- Understanding market dynamics and enhancing internal systems for making internal system EWS system robust
- Working on both internal and external alerts to get 360 degree view of the customer to pre emp stress in the customer and take timely actions
- Placing watchlist policy, putting the framework in place, tracking cases on a regular basis to monitor the portfolio movement
- Strategy implementation for timely exit of problematic customers
- Engaging with various institutions like CRISIL, CMIE, CIBIL, NSEL, fintechs, valuation agencies, law firms to understand the market dynamics on multiple aspects
- Staff Accountability Review given regulatory requirements and compliance to the same
Your skills and experience
Basic requirements
- Expertise in all aspects and functions of Credit Risk management, both in underwriting as well as policy / portfolio functions as well as a strong understanding of relevant regulatory requirements
Skills
- Analytical and logical solutioning approach
- Project management
- Cross-functional liaising, both within and outside the Risk function
- Negotiation
Experience
- CA / MBA from premium institute
- 15 years of relevant work experience
How we'll support you
- Training and development to help you excel in your career.
- Coaching and support from experts in your team.
- A culture of continuous learning to aid progression.
- A range of flexible benefits that you can tailor to suit your needs.
About us and our teams
Please visit our company website for further information:
We strive for a in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.
Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.
We welcome applications from all people and promote a positive, fair and inclusive work environment.
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