Credit Risk Manager

20 hours ago

Bengaluru, India Ujjivan Small Finance Bank Full time

POSITION DESCRIPTIONJOB TITLEManager-Credit RiskDEPARTMENTRiskLOCATIONHOSUB-DEPARTMENTCreditTYPE OF POSITIONFull-timeROLE PURPOSE & OBJECTIVETo ensure implementation of the credit risk management policy approved by the Board.To formulate, review and implementation of risk appetiteMonitor credit risks on an SFB wide basis and ensure compliance with the Board approved risk parameters/prudential limits and monitor risk concentrations.Review status of portfolio management, loan review mechanism, risk monitoring and evaluation, regulatory/legal compliance, adequacy of provision, risk concentrations, industry reviews, and suggest corrective measures and activity reviews for credit risk management.Review the performance and effectiveness of the credit scorecards, the need for any adjustments, and placing recommendations before the CROReview and approve the use of credit scorecards for business and risk management purposes and placing recommendations before the CROKEY DUTIES & RESPONSIBILITIES OF THE ROLEBusiness/ FinancialsCredit Risk UnitTo develop credit risk appetite/limits statements with support from Business unitsTo monitor the credit risk parameters and credit exposure / concentration limits set by the SFB’s Board of Directors / Risk Management Committee of the Board/ RegulatorTo lay down credit risk identification systems, monitor quality of portfolio, identify problem credits and undertake asset quality reviews with support from Business units.Implementation of credit scorecards with support from Business units.To analyze early warnings signals in the MSE portfolio, for identification of weak exposures, identify remedial measures in co-ordination with Business units and monitor the actions taken.Responsible for execution of portfolio risk management activities including concentration risk monitoring and stress testing.Responsible for ensuring stringent monitoring and management of specifically assigned problem accounts either independently or in co-ordination with the Business units.Responsible for executing the NPA management strategies in co-ordination with Business units and with support from the Legal departmentMonitor portfolio performance on a quarterly basis or as and when directed by the Board or Committee or Regulator and identify associated credit risksStudy the impact of various stress scenarios on different portfolios to complement the regular risk measurement methodsClassification of SMA and watch-list accounts in co-ordination with Business unitsImplementation of Internal Audit recommendations specific to the credit risk unitBusiness Risk unitDevelop a comprehensive risk management framework for assessing, identifying, monitoring and reducing pertinent business risks that could interfere with the

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