Team Leader DVP
3 months ago
JobPurpose:
EWSFramework Review Implementation andBacktesting:
- Implementationand Enhancement of EWS framework across various products in theBank
- Workflowmanagement and efficiency improvement of the EWSprocess
- Creation/Enhancementof EWS (Early Warning Signal) alerts in coordination with keystakeholders like IT Analytics Credit Businessetc.
- Evaluationand ongoing maintenance of EWS systems including data capturingdata completeness data integrity and dataquality
- Reviewof EWS alerts generated for classification of account as redflag/weakaccount
- Backtestingvalidation and implementation of Early WarningSignals
RBICompliance &Regulatory:
Reportingof EWS to top management publication of EWS reports conductingmeetings
CreditMonitoringProcess
- Identifyand augment credit processes and systems for enhanced quality andcoverage of credit monitoring and credit risk control at a borroweras well as portfolio / subportfoliolevel.
- Assesslevel of adherence of credit managers to the laid down creditprocesses.
- Highlightto management any deviationobserved
- Examineroot cause for credit delinquencies /deterioration in the portfolioand use learnings for enhancing / improving creditprocess
EarlyWarningSystem
- Enhance/ Improve early warning tools so that these are comprehensive andeffective in providing advance warning of potential creditdeterioration / weakening /frauds.
- Createand manage suitable workflows that provide warning signals tocredit managers for their accounts and close out of the entire loopin terms of review actionable timeline feedback.
- Ensurethat actionables are closed out by the credit team in a timeboundmanner so that slippages areavoided.
- Highlightto management any deviation in achievement of early warningactionables
PortfolioRiskReview
- Periodicallyor event based carry out portfolio / sub portfolio reviews tocreate awareness of underlying quality emerging trend potentialrisk and accordingly suggest correctiveaction
- Carryout stress tests on portfolio / sub portfolios jointly with theCredit team and the Policyteam
Periodicreports onportfolio
- Publishreports for management consumption / action on portfolio qualitydelinquency portfolio behaviour TAT housekeepingetc
- PublishMonthly / Quarterly review report on Wholesale Portfolio and keyindicators trends and highlights in the month / quarter about theportfolio credit environment regulations policychanges
Digitization
- Workclosely with the credit team and IT in enhancing the usage oftechnology in credit monitoring control and reporting; and reducinghuman effort and time in these areas.
- Interactwith vendors to identify and adopt suitable techsolutions
EducationalQualifications:CA /MBA
KeySkills
- CreditProducts & ProcessKnowledge
- Communication
- Knowledgeof systems &IT
- AnalyticalAbility
- RegulatoryFramework
credit monitoring,EWS,Early WarningSystems,Team Management,portfolio risk,riskmanagement
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