Portfolio Management and Risk Monitoring - SME Banking

Job Description

Role & responsibilities Maintaining operational and credit risk controls over sanctioned and disbursed portfolio by effectively applying monitoring tools. Monitoring portfolio to assess delinquency trends across various locations, profiles, programs, products, other parameters. Analyzing trends regularly to understand overall portfolio behaviour and also reasons for defaults by individual customers/ segments and accordingly suggesting appropriate modifications in policy, programs etc. based on trends observed. Competition benchmarking (peers and industry level) and tracking portfolio trends which will help in improving product and policy framework. Maintaining, enhancing and managing the Early Warning System (EWS) mechanism. Designing and developing various portfolio decks for the monitoring of portfolio delinquency, repayment and outstanding segment wise, disbursements and sanctions across various critical parameters and demography. Deriving and highlighting analytical insights from the portfolio monitoring to senior management and stakeholders in order to augment policy decisions across various parameters like demography, customer segments, industry, etc. Planning, developing and executing reporting activities that would help in managing the credit perspective through various analytical approaches Preparing review notes and presentations for senior stakeholders Handling internal and regulatory audit which includes circulating and highlighting summary findings to senior management Coordinating with various internal stakeholders for arranging data availability for effective review and monitoring purposes Hind-sighting of credit policy implementation Training to front-line team Portfolio house- keeping Complaint management /resolution providing to ground team related to all program and guidelines Business development and lifecycle management of RMs including driving knowledge management & KPI driving for SME segment teams Preferred candidate profile