Lead - Risk Rating & Compliance

Role & responsibilities

• Internal rating validation for Corporate, SME, Business Banking, NBFC, MFI, Broker, Bank clients across the bank. Key activities include.
• Detailed assessment and understanding of credit risk (industry, business, financials, management), credit ratings.
• Preparation of rating rationale along with rationale for any changes in risk scores
• Review deviations to the credit policy of the Bank.
• Recommendations/comments on all proposals placed to Board level credit committee with respect to policy compliance/ portfolio risk/ industry prospects, etc.
• Decision making along with the stakeholders (Credit/ Business)
• Effective interaction with business/credit groups across Large Corporates/ Emerging Local Corporates/ NBFCs/ Brokers/ MFIs/ Projects/ Small, Micro Enterprises/ Business Banking
• Effective resolution of internal audit/ external audit/ RBI queries
• Periodic review and updating of industry risk scores including assessment for new industries as deemed appropriate.
• Track latest industry developments by participation in seminars, conferences and client site visits, interactions with clients, rating agencies, industry database providers,
• Benchmarking of companies within sectors
• Stakeholder management: Candidate should be able to efficiently manage various stakeholders including senior management from both Credit and Business functions.
• Define and facilitate the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the division.
• Nurture talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals.
• Develop and nurture a continuous talent pipeline for key roles in the division and provides mentoring for high potential talent in the organization.
• Ensure adherence to process and ability to work within pre-decided TAT

Preferred candidate profile

• Post qualification experience preferably in business, credit function in Wholesale/Mid Markets segments of a Bank or in Corporate ratings of Credit Rating agency .
• Strong understanding of finance and accounting concept
• Ability to identify key characteristics and drivers of diverse sectors/ businesses.
• Knowledge of risk assessment and control