Manager - Credit Risk

Roles and Responsibilities

• Review and Analysis of historical loan data to understand the pattern from default point of view
• Experience in NBFC /Housing Loan or Wheels risk underwriting and Risk Monitoring.
• Should have experience either in Housing loan/ wheels or NBFC product.
• Experience in Process/ Policy drafting.
• Apply statistical tool to analyse the pattern and come with detailed assessment
• Review and Prepare risk dashboard for management which shows all important risk parameters
• Develop rating model/scorecard for various retail and corporate loans based on historical data .
• Coordinate with various stakeholder for the rating model implementation
• Prepare and maintain database of loan product from risk assessment point of view
• Ensure data is correctly captured in the system and coordinate with different team to fix the issue
• Coordinate with IT team for the automation of credit approval process
• Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption
• Manage a small team to monitor the performance of the asset portfolio
• Provide regular inputs for risk analytics and detailed data points impacting portfolio quality
• Coordinate with IT team for various project i.e. NPA, Perfios, Scorecard etc.
• Preparation of Bank wide Risk Dashboard to reflect Risk trend of the Bank

Relevant Experience:

Overall 7+ plus years of experience in Banking (preferably Risk).

Technical Competencies:

• Good understanding of Credit risk related jargons like balance sheet, income statements, asset inventory statements
• Good understanding of various regulatory reports of credit risks
• Good command of Excel, SQL, etc.
• Analytical skills as well as a thorough understanding of banking laws, regulation, and policies and the ability to apply and explain complex regulatory, financial, and analytical concepts

adarsh.pandey@utkarsh.bank