IRM-Credit Monitoring & EWS Mgr - SME

Role & responsibilities

Credit Monitoring Process

• Identify and augment credit processes and systems for enhanced quality and coverage of credit monitoring and credit risk control, at a borrower as well as portfolio / sub-portfolio level. • Assess level of adherence of credit managers to the laid down credit processes. • Highlight to management any deviation observed • Examine root cause for credit delinquencies /deterioration in the portfolio, and use learnings for enhancing / improving credit process

Early Warning System • Enhance / Improve early warning tools, so that these are comprehensive and effective in providing advance warning of potential credit deterioration / weakening / frauds. • Create and manage suitable workflows that provide warning signals to credit managers for their accounts, and close out of the entire loop in terms of review, actionable, timeline, feedback. • Ensure that actionables are closed out by the credit team in a timebound manner so that slippages are avoided. • Highlight to management any deviation in achievement of early warning actionables.

Portfolio Risk Review

• Periodically or event based carry out portfolio / sub portfolio reviews to create awareness of underlying quality, emerging trend, potential risk, and accordingly suggest corrective action • Carry out stress tests on portfolio / sub portfolios jointly with the Credit team and the Policy team

Periodic reports on portfolio

• Publish reports for management consumption / action on portfolio quality, delinquency, portfolio behaviour, TAT, housekeeping, etc • Publish Monthly / Quarterly review report on Wholesale Portfolio and key indicators, trends and highlights in the month / quarter, about the portfolio, credit environment, regulations, policy changes

Digitization

• Work closely with the credit team and IT in enhancing the usage of technology in credit monitoring, control and reporting; and reducing human effort and time in these areas. • Interact with vendors to identify and adopt suitable tech solutions.