Job Purpose
Portfolio Risk Monitoring and Governance
Job Responsibilities
Portfolio Risk Assessment / Monitoring & Governance
- Monitoring portfolio distribution concentration and segmental risk.
- Monitoring portfolio risk through Dashboards and Early warning signals
- Validation critical evaluation constant & structured monitoring of credit underwriting policies/ framework and related processes.
- Critical evaluation of credit scoring / behavioral scoring & rating models for their efficacy and accuracy of onground implementation.
- Setting up structured review meetings with key stakeholders on the aforesaid parameters. Build consensus among key stakeholders around the action areas originating therefrom. Obtain formal signoff from Competent Authorities and drive through timebound implementation
- Work closely with credit risk modeling and rating team to get the risk estimation models finetuned.
RBI & Regulatory Compliance
Address the RBI and regulatory audit observations around portfolio risk monitoring and estimation
Key Skills
- Indepth understanding of portfolio risk metrics & governance (Secured / Unsecured Products)
- Understanding of credit risk prediction metrics and Regulatory Framework around it (BASEL IFRS etc.)
- In depth understanding of relevant Lending Products & related processes. Knowledge of Competition & Current trends in financial Industry.
- Basic statistical acumen
- Technical skill sets to churn large volumes of data.
- Ability to conceptualize implement and interpret & present credit risk dashboards.
- Communication articulation and presentation skills.
- Proficient operating knowledge of MS Office specifically excel PowerPoint & word.
Educational Qualifications: CA / MBA
Experience Required
- Minimum experience in years 10 years if pass out from Tier 1 Institutes / 15 years for other institutes.
- Exposure to Portfolio Risk / Credit Policy management in large lending institutions / Banks
- Exposure to credit risk modeling will be preferred
porfolio risk manager,portfolio risk management,PRM,SME,risk monitoring,portfolio risk