Assistant Vice President - Risk Portfolio

Role Accountability

1. Oversee monitoring of key risk indicators, early warning triggers and portfolio performance by segments/products and portfolio monitoring to identify any pockets of stress to lower Credit Cost, review of quick mortality which includes high value NPA slippage cases. Creation and Cascade of Metrics , KPIs Benchmarks and Targets for all relevant functions, relating to Credit Risk and Fraud Risk , in line with Organizational Risk Appetite, Strategy and Business Plans.
2. Creating and implementing an quality assurance framework for ongoing testing and monitoring of policies and detailed analysis of early delinquency metrics by segment and recommend segments to discontinue/ action. Manage oversight procedures, check control monitoring plan and outcome of control monitoring. Propose mitigation strategies to Credit and Collection Teams
3. Review of all existing alerts- logic, monitoring and outcome, Review of all SOPs (Underwriting Fraud, Transaction Frauds, Internal/ other frauds, Fraud Reporting), Defining KRI / KPI/ KCI for Fraud Risk Management and regular monitoring of these metrices in governance forums, Review of ATRs to ensure Root Cause is addressed on all frauds reported, Review of control effectiveness of changes done in processes/rules.
4. Key risk indicators and early warning triggers are identified accurately and flagged off on a timely basis .

Measures of Success

1. Portfolio and key segments performance levels within defined limits
2. Identification of emerging risks and opportunities
3. Timely and accurate updation of process documentation
4. Process Adherence as per MOU

Technical Skills / Experience / Certifications

1. Extensive experience in credit card domain and analytics (SAS & SQL), credit risk.
2. Good to have understanding of underwriting or collection.
3. Knowledge of quantitative tools like SPSS Modeler, SAS E Miner, and R etc.
4. Strong knowledge of credit card domain & financials

Competencies critical to the role

1. Strong Analytical and Problem-Solving skills
2. Stakeholder Management

Qualification

Master/Graduate degree in any relevant filed

Preferred Industry

Banking and Retail Lending