Leader - Credit Risk Management

2 days ago

Gurgaon, Haryana, India beBeeAssetQuality Full time ₹ 1,50,00,000 - ₹ 2,00,00,000

Job Title: Asset Quality Monitoring Professional

The role of Asset Quality Monitoring is critical in preparing and monitoring Key Asset Quality metrics and highlighting opportunities for improvement in policies, processes, and strategy. This includes:

  1. New Acquisition Quality Metrics: Preparing and monitoring new acquisition quality metrics with ongoing monitoring of new sourcing mix and early delinquencies at various cuts and recommending changes in sourcing mix in consultation with the credit team.
  2. Key Portfolio Metrics: Monitoring key portfolio metrics on a daily, monthly, and ongoing basis to identify and flag off any areas of concern on a timely basis for corrective action.
  3. SPI Data Analysis: Analyzing and reviewing the monthly SPI data for assessing SBI Card's performance versus peers and industry and putting up-to-date information to management and identifying segments of opportunity and risk.
  4. Portfolio Quality Reviews: Preparing the monthly portfolio quality reviews presentation for putting up-to-management, RMCB, and the board of directors, giving an all-round view of the portfolio performance by various cuts and segments.
  5. Performance Tracking: Monitoring performances versus plan/MoU for asset quality metrics, building in various parameters of asset quality from acquisition and collections standpoint as well as macro-economic factors.
  6. Credit and Collections Policies: Reviewing credit and collections policies and conducting gap assessment of board-approved policies/processes vis-à-vis regulatory requirements.
  7. Portfolio Sale Data: Preparing the portfolio sale data for periodic portfolio sale-off exercises.

Measures of Success:

  1. Early delinquencies for segments should be within defined benchmarks.
  2. HIGHLIGHTING OPEN CREDIT RISKS TO RISK COMMITTEES ON A TIMELY BASIS.
  3. Credit Risk KRIs should be updated and within thresholds as per risk appetite.

Required Skills and Qualifications:

  • Experience in underwriting, credit risk, collections, and understanding of key drivers of asset quality, cards portfolio, and collection metrics.
  • Data analytics skills, knowledge of tools like SAS, SQL, Power BI, Tableau, and effective communication and interpersonal skills.

Benefits:

This role requires experience in credit risk management covering acquisition, portfolio, and collections.

Others:

We are proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, color, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc.

Motto: Make Life Simple, ensuring that customer convenience is at the forefront of all that we do.

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