Credit Risk Management Specialist

3 weeks ago


Mumbai, Maharashtra, India Aditya Birla Group Full time

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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