AVP - Credit Risk Management (Wholesale Banking)

• Conducting Credit Evaluation meetings as per internal policies for new loan applications/renewals by doing thorough borrower level credit analysis and regulatory checks
• Credit Risk Policy management and updation - internal risk policies/ regulatory guidelines/ risk management systems and procedures etc, reporting of deviations.
• Preparation of Credit Risk reports that are submitted to Regulators through compliance and regulatory reporting teams, MIS reports for Risk Management Committee / Management Committee & Top Management.

• • Periodic internal and external reporting to H.O and RBI on various credit risk and portfolio analysis matter.
  • Detailing and analyzing exposures, providing comparisons and trends, prescribed and specific provisions, key issues and large exposure information

• Creation of robust credit risk analytics using both internal source systems and industry data
• Supporting the Risk management team in formulating and reviewing risk management policies, setting and reviewing credit risk parameters, formulating the ICAAP (Credit Risk) etc.
• Periodical review of Capital Adequacy and Risk Weighted Assets and submission to Risk Management Committee.

Ensuring the credit risk function complies with Internal Audit observations, RBI-RBS recommendations and Statutory Audit observations pertaining to Risk Management Functions

(a) Knowledge & b) Skills:

• Expertise in detailed credit analysis of borrowers and highlighting key risks
• Preparation of credit risk reports for internal monitoring and regulatory reporting
• Expertise in wholesale Credit Processes, Credit Risk Policy management, Exposure Norms and Basel II/III
• Sound written and verbal communication skills, with the ability to communicate clearly and concisely

(b) Skills

• Ability to work under stringent timelines and good communication skills.
• Proficiency in MS office and credit risk domain knowledge.

(c) Experience:

• Relevant experience including 6-8 years in Credit Risk Management or equivalent Credit experience

(d) Qualifications:

• MBA/CA/CFA/Relevant Post graduation

The incumbent will be responsible for the identification, assessment and management of credit risk and will act as secretariat to credit and Risk institutional framework.