Urgent Team Member-SUPPORT SERVICES-Credit Monitoring Group

2 weeks ago

Mumbai, Maharashtra, India Kotak Mahindra Bank Limited Full time
Job Description

Regulatory Reporting- Team Member, Mumbai

Department Credit Monitoring Team
Location Mumbai
Number of Positions 1
Role & Responsibility Policies / Process / Board note formation and Celling / Exposure monitoring
Position Grade M6 / M7

1. Policy formation & implementation

- In charge of Pan Bank Board policy of credit department. Shall be responsible for drafting Board Policy for wholesale and retail credit.
- Shall also be responsible for drafting processes for implementation of such policy which get placed in Board level committees and other senior management committee.
- Should ensure that policy and processes are modified on timely basis in adherence to changes in RBI regulations and circulars.
- Analysing the market trends / practices and benchmarking of policies with the market.
- Interacting with cross functional teams, understanding the current practice and accordingly recommending the policy / process changes.
- Monitoring the implementation of signed off policies/ process, identifying gaps and taking corrective action.

1. Limits/ Celling Monitoring

- Monitoring of NBFC exposure celling,Environmental, Social & Governance (ESG) celling and Group consolidation CAP of large exposure of the bank at frequent interval.
- Setting up the process for automating the process of celling / CAP monitoring and ensuring that output is as per requirement.
- Highlighting the derivation/ red alert in case any deviation or higher utilization of actual limit.
- Releasing frequent MIS to senior management.

1. RBI indent / Audit requirement:

- Understanding RBI requirement and ensuring revert submission within timeline.
- Identifying department/ division of the bank for RBI revert and co-ordinating with team for revert submission.
- Providing data / information / explanation to RBI auditor, Statutory / internal and concurrent auditor as per requirement and within timeline.
- Tracking and implementing all the changes suggested by Regulator / Auditor.

- Master's degree (CA /CS/ MBA) in Finance,Accounting,Business Administration,or related field.
- At least 8 - 10 years of experience in credit underwriting or as a lead in policy / process team.
- Knowledge of Policy drafting, Credit Appraisal, Credit Monitoring or regulatory requirements.
- Experience in automation of manual process and monitoring the change.
- Analytical skills, proficiency in trend analysis and understanding of data flow in banking system.
- Written and verbal communication skill with the ability to present information clearly and concisely.

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