Team Leader DVP

3 months ago


Mumbai, India Riverforest Connections Private Limited Full time

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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