Senior Manager Manager - Portfolio Risk Analyst with Large Private Bank

Job Purpose

Portfolio Risk Monitoring and Governance

Job Responsibilities

Portfolio Risk Assessment / Monitoring & Governance

• Create basic framework and metrices for monitoring portfolio distribution concentration and segmental risk. Keep refining the framework and metrices constantly to keep them in line with the changing business & risk scenario.
• Monitoring portfolio risk through Dashboards and Early warning signals
• Formulate metrices for validation critical evaluation constant & structured monitoring of credit underwriting policies/ framework and related processes. Obtain signoffs on the metrices.
• Formulate metrices for granular and critical evaluation of credit scoring / behavioral scoring & rating models for their efficacy and accuracy of onground implementation. Highlight gaps in implementation.
• Preparing for the structured review meetings with key stakeholders on the aforesaid parameters. Drive the action on the consensus arrived at among key stakeholders around the action areas originating from reviews. Maintain records of formal signoff from Competent Authorities and drive through timebound implementation
• For the assigned product/s work closely with credit risk modeling and rating team to get the risk estimation models finetuned.

RBI & Regulatory Compliance

• Create regular update and visibility around RBI and Regulatory Compliance points about the product/s assigned. Work closely with the concerned stakeholders to address the RBI and regulatory audit observations around portfolio risk monitoring and estimation

Educational Qualifications

• Chartered Accountant
• CFA
• MBA (Finance) from Cat A institutes / IIM
• FRM

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

Experience Required

• Minimum experience in years 8 years if pass out from Tier 1 Institutes / 12 years for other institutes.
• Exposure to Portfolio Risk / Credit Policy management in large lending institutions / Banks
• Exposure to credit risk modeling will be preferred

Candidate Profile: Looking for a candidate from credit or risk background having experience in handling SME clients portfolio management and working capital products.

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