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Aditya Birla Group
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Lead - Credit Policy and Process

Lead - Credit Policy and Process

Aditya Birla Group

0 - 8 years

0 Lacs

Maharashtra

Posted:2 weeks ago| Platform: Indeed logo

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Skills Required

finance reporting audit data model probability testing efficiency forecasting assessment maintenance risk analytics monitoring portfolio presentation automation

Work Mode

On-site

Job Description

AB Housing Finance Limited

Lead - Credit Policy and Process

Location: BGFCL,OneIndiaBulls Cen,Mumbai, Maharashtra

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

ECL Provision computation

System application Management

IRAC Provision computation

Template worksheet computation

Regulatory Reporting

Monthly reporting to regulator

Bureau Reporting

Monthly reporting to Bureau

ICAAP Testing

Annual Assessment

Audit Actionable

Manage the conduct of audit and Provide maintain data trails

Job Purpose -

1.To calculate the Credit Cost via Expected Credit Cost Model(ECL) as per IND AS requirements along with comparison with IRAC regulatory Norms.

2.To monitor and maintain the ECL model along with computation of input parameters like Probability of Default ( PD) , Loss given default (LGD) at quarterly intervals.

3.Back testing of the ECL Model for efficiency and Forecasting of Credit Cost.

4.Internal Capital Adequacy Assessment Process (ICAAP) Annual review and Forecasting.

5.Monthly Regulatory Reporting to NHB of organisation data along with record maintenance and to provide clarification in case of any Observations.

6. Risk model building along with analytics and testing and validation of such models.

7. Policy formulation based on risk models and monitoring the portfolio behaviour and changes in model for improvements in model efficacy

8.Analyse Mortgage Portfolio trends, patterns and Segment Risks.

9.Preparation of Various Risk Relevant MIS and Presentation for Policy formulation and decision making.

10. Process improvements & Automation along with for Data sanity for reporting’s to internal and external stakeholders.

Minimum Experience Level

6 - 8 years

Job Qualifications

Graduate Diploma

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