Portfolio Management and Risk Monitoring - SME Banking

Roles & Responsibilities:

Portfolio Risk Monitoring & Control

• Maintain operational and credit risk controls over sanctioned and disbursed portfolios using effective monitoring tools
• Monitor portfolio delinquency trends across locations, customer profiles, products, and programs
• Analyze portfolio behavior and identify reasons for defaults at individual and segment levels
• Suggest modifications in policies and programs based on portfolio trends and risk analysis

Portfolio Analytics & Reporting

• Design, develop, and maintain portfolio dashboards for delinquency, repayment, outstanding balances, disbursement, and sanction monitoring across critical parameters and demographics
• Benchmark competition and industry trends to improve product and policy frameworks
• Derive and present analytical insights to senior management to support policy and decision-making
• Plan and execute reporting activities using analytical methods to manage credit risk effectively

Compliance & Audit

• Handle internal and regulatory audits related to portfolio risk and compliance
• Prepare and circulate audit findings and review notes to senior management
• Ensure credit policy adherence and perform hind-sighting analysis on policy implementation

Stakeholder Coordination & Training

• Coordinate with internal teams to ensure data availability for portfolio monitoring and review
• Provide training and support to frontline teams on credit policies, programs, and guidelines
• Manage complaint resolution related to portfolio risk and credit programs for ground teams

Business Development & Team Support

• Support business development and lifecycle management of Relationship Managers (RMs)
• Drive knowledge management and KPI achievement within the SME segment teams