Senior Team Member Wholesale Credit Risk Policy

Key Responsibilities

• Policy Review & Governance
• Assist in revising, reviewing, and maintaining the Bank’s Board-approved Wholesale Credit Policy and related frameworks.
• Support the development of new credit frameworks/processes for effective and consistent implementation across businesses.
• Provide inputs for policy modifications and ensure alignment with regulatory guidelines and best practices.
• Sectoral & Portfolio Oversight
• Conduct periodic sectoral reviews and maintain oversight of bank-wide sectoral exposure limits.
• Monitor wholesale banking portfolio trends, concentrations, and emerging risks.
• Support in formulation of early warning signals and sector-specific policy responses.
• Credit Underwriting Tools
• Review, revisit, and manage the Bank-wide Credit Appraisal Memorandum (CAM) templates and financial spreads used in credit underwriting.
• Ensure tools remain relevant, user-friendly, and aligned with policy requirements and evolving business needs.
• Regulatory & Audit Engagement
• Respond to queries from the Reserve Bank of India (RBI), statutory auditors, and internal auditors on wholesale credit policy and portfolio.
• Support preparation of submissions, clarifications, and documentation for regulatory inspections.
• Risk & Return Management
• Support implementation and monitoring of the Risk-Adjusted Return (RAR) framework for wholesale exposures.
• Contribute to analysis and recommendations for improving portfolio risk-return outcomes.
• Stakeholder & Senior Management Engagement
• Liaise with senior stakeholders across Risk, Business, Finance, and Compliance functions for policy interpretation and implementation.
• Provide guidance and advisory support on credit policy matters to frontline and credit underwriting teams.
• Present policy changes, sectoral findings, and portfolio reviews to senior management forums.
  

Key Skills & Competencies

• Strong understanding of wholesale banking credit risk policies and frameworks.
• Knowledge of regulatory guidelines (RBI, Basel) and risk governance practices.
• Expertise in credit analysis, sectoral assessment, and portfolio monitoring.
• Familiarity with RAR frameworks and credit underwriting tools.
• Excellent communication, drafting, and senior stakeholder management skills.
  

Qualifications & Experience

• Postgraduate in Finance, Economics, or related discipline (MBA/ CA/ CFA/ FRM preferred).
• 5–8 years of experience in wholesale credit risk, credit policy, or portfolio risk management.
• Experience in policy governance, sectoral reviews, and regulatory engagement strongly preferred.