Credit Risk Management Specialist
3 weeks ago
Key Performance Indicators
Our Credit Risk Management Specialist will play a pivotal role in ensuring the overall quality of the lending portfolio by planning and directing all aspects of credit risk.
Credit Risk Management Objectives
- To have detailed risk evaluation at pre-sanction stage and appropriate risk monitoring at post-sanction stage to ensure a healthy portfolio.
- To monitor critical accounts very closely for early warning signals through periodic reviews, meeting with promoters/management, feedback from co-lenders and other market participants.
- To review and recommend proposals to the delegated Credit Committee.
- To ensure the underwritten credit is of the highest quality while maintaining balance in risk management, turnaround time, and best customer service.
- To work closely with the Infra legal team to act against defaulting parties.
- To assess the expected credit loss of the portfolio and report the same to Management.
Credit Risk Management Strategies
- To develop formats and norms for approval, ensure their ratification within the team and from approval authorities in the system, and institutionalize the prescribed process.
- To liaise with various credit committees for closing the approval process.
- To ensure prompt resolution/explanation of queries raised by sanctioning authorities.
Portfolio Performance Monitoring
- To monitor portfolio assets and analytics for effective risk monitoring in collaboration with the monitoring team.
- To ensure maintenance of portfolio quality through periodic review of operational and financial performance of loan accounts.
- To evolve a system of consolidated portfolio reporting and early warning signals to identify potential problem accounts and sectors/industries.
- To develop portfolio risk mitigation mechanisms and strategies and define performance metrics that measure their effectiveness.
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