Credit Risk Lead

21 hours ago

Mumbai, Maharashtra, India Piramal Finance Full time ₹ 20,00,000 - ₹ 25,00,000 per year
  • Monitoring portfolio distribution, concentration, and segmental risk. Monitor portfolio performance and risks emanating from the same across product, geography, program etc.
  • Monitoring Portfolio risk through dashboards and early warning signals, risk limit framework. Close monitoring of early warning indicators, early delinquency, bounce rates, non-starters and other trends.
  • Continuous and structured monitoring of credit underwriting policies, framework and related processes for respective products. Approval of new policies, programs and review/amendments of existing policies.
  • Suggesting improvements in underwriting policies, processes based on portfolio performance
  • Working closely with model risk and BIU team to get risk estimation models fine tuned.
  • Trigger monitoring and control - Coordinating with analytics team for preparation/improvement in various management dashboard/ Analysis/ development of score card
  • Pointing out the opportunities, issues and suggesting corrective action to the stakeholders
  • Track risk management best practices across industry and evaluate the same for implementation.
  • Regular coordinate with various units including Finance, Credit, Policy, Audit etc.Role & responsibilities

Preferred candidate profile

  • CA/ ICWA/ MBA Finance
  • Preference for certifications like FRM, PRM, CFA etc
  • 6-10 years of relevant experience in Credit underwriting/ Portfolio level analysis of Retail Asset Banking products, services and operations
  • Flair for analytics
  • SME for the relevant product
  • Deep experience & understanding of retail finance products, services and processes of NBFCs, Banks

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