Credit Monitoring

3 months ago

mumbai, 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

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