Manager - Asset Quality Monitoring

Role Purpose

Prepare and Monitor the Key Asset Quality metrics and highlight opportunities for Improvement in policies, processes and strategy.

Role Accountability

1. Prepare & Monitor New Acquisition quality metrics with ongoing monitoring of new sourcing mix & early delinquencies at various cuts and recommend changes in sourcing mix in consultation with Credit team.
2. Monitor Key Portfolio Metrics on a Daily, Monthly & Ongoing basis to identify and flag-off any areas of concern on a timely basis, for corrective action.
3. Analyze & Review the monthly SPI data for assessing SBI Card's performances versus Peers and Industry and putting upto the management and identify segments of opportunity and risk.
4. Prepare the monthly Portfolio Quality reviews presentation for putting upto the Management, RMCB & the Board of Directors, giving an all-round view of the portfolio performance by various cuts & segments.
5. Monitor performances versus Plan / MoU for Asset Quality metrics, building in various parameters of Asset Quality from Acquisition & Collections standpoint as well as Macro-economic factors.
6. Review Credit & Collections Policies and conduct the gap assessment of board approved policies / processes viz. a viz. Regulatory requirements
7. Prepare the Portfolio Sale data for periodic portfolio sale-off exercises.
8. Key portfolio Asset Quality metrics of GCC, GNPA should be within the MoU / Plan.

Measures of Success

1. Early Delinquencies for segments should be within defined benchmarks.
2. Highlighting open credit risks to risk committees on a timely basis
3. Credit Risk KRIs should be updated and within thresholds are as per risk appetite

Technical Skills / Experience / Certifications

1. Experience in Underwriting, Credit Risk, Collections.
2. Understanding of Key drivers of Asset Quality, Cards Portfolio & Collection Metrics.
3. Good data Analytics skills, with knowledge of tools like SAS, SQL, Power BI, Tableau etc.
4. Good Communication & Interpersonal Skills with ability to effectively communicate cross-functionally and across levels.

Competencies critical to the role

1. Experience in Credit Risk Management covering Acquisition, Portfolio, Collections.
2. In-depth understanding of the Asset Quality drivers and Credit & Collections metrics.
3. Interpreting data for driving business intelligence... knowledge of tools like SAS, SQL, Power BI, Tableau etc.

Qualification

Graduates/ Post Graduation / MBA

Preferred Industry

Banking and Retail Lending