Key Responsibilities:
- Portfolio Management: Monitor the Wholesale Banking and Business Banking portfolios. Address internal and RBI audit-related queries pertaining to the credit monitoring process.
- Ground Sensing: Identify potential credit deterioration or weakening by analysing various internal alerts, including transactional, behavioural, financial, and external alerts such as market-related news and highlighting the same to the business, credit, and risk teams.
- Financial understanding: Possess a fundamental understanding of financial documents such as annual reports, CMA, stock, and book debts statements to conduct meaningful assessments of borrower businesses.
- Collaboration: Collaborate closely with the credit, risk, and IT teams to enhance the utilization of technology in credit monitoring, controls, and reporting.
- Service Delivery: Convene periodic health council meetings for identified borrowers, ensuring the complete closure of the loop in terms of actionable items, timelines, and feedback.
- Analysis and Reporting: Publish regular reports to senior management on portfolio quality, delinquency, behavior, and other relevant metrics
Key Qualifications & Skills:
- Educational Qualification: CA or MBA with 1 to 5 years of relevant experience of credit products and processes.
- Hands-on credit knowledge: Analytical aptitude and familiarity with banking regulations and credit risk management practices.
- Communication Skills: Good communication and presentation skills
