Team Leader DVP - Credit Monitoring EWS with a Large Private Bank

Job Purpose:

EWS Framework Review Implementation and Backtesting:

• Implementation and Enhancement of EWS framework across various products in the Bank
• Workflow management and efficiency improvement of the EWS process
• Creation/Enhancement of EWS (Early Warning Signal) alerts in coordination with key stakeholders like IT Analytics Credit Business etc.
• Evaluation and ongoing maintenance of EWS systems including data capturing data completeness data integrity and data quality
• Review of EWS alerts generated for classification of account as red flag/weak account
• Backtesting validation and implementation of Early Warning Signals

RBI Compliance & Regulatory:

Reporting of EWS to top management publication of EWS reports conducting meetings

Credit Monitoring Process

• Identify and augment credit processes and systems for enhanced quality and coverage of credit monitoring and credit risk control at a borrower as well as portfolio / subportfolio level.
• Assess level of adherence of credit managers to the laid down credit processes.
• Highlight to management any deviation observed
• Examine root cause for credit delinquencies /deterioration in the portfolio and use learnings for enhancing / improving credit process

Early Warning System

• Enhance / Improve early warning tools so that these are comprehensive and effective in providing advance warning of potential credit deterioration / weakening / frauds.
• Create and manage suitable workflows that provide warning signals to credit managers for their accounts and close out of the entire loop in terms of review actionable timeline feedback.
• Ensure that actionables are closed out by the credit team in a timebound manner so that slippages are avoided.
• Highlight to management any deviation in achievement of early warning actionables

Portfolio Risk Review

• Periodically or event based carry out portfolio / sub portfolio reviews to create awareness of underlying quality emerging trend potential risk and accordingly suggest corrective action
• Carry out stress tests on portfolio / sub portfolios jointly with the Credit team and the Policy team

Periodic reports on portfolio

• Publish reports for management consumption / action on portfolio quality delinquency portfolio behaviour TAT housekeeping etc
• Publish Monthly / Quarterly review report on Wholesale Portfolio and key indicators trends and highlights in the month / quarter about the portfolio credit environment regulations policy changes

Digitization

• Work closely with the credit team and IT in enhancing the usage of technology in credit monitoring control and reporting; and reducing human effort and time in these areas.
• Interact with vendors to identify and adopt suitable tech solutions

Educational Qualifications: CA / MBA

Key Skills

• Credit Products & Process Knowledge
• Communication
• Knowledge of systems & IT
• Analytical Ability
• Regulatory Framework

credit monitoring,EWS,Early Warning Systems,Team Management,portfolio risk,risk management