Roles & Responsibilities:
Portfolio Risk Monitoring & Control
- Maintain operational and credit risk controls over sanctioned and disbursed portfolios using effective monitoring tools
- Monitor portfolio delinquency trends across locations, customer profiles, products, and programs
- Analyze portfolio behavior and identify reasons for defaults at individual and segment levels
- Suggest modifications in policies and programs based on portfolio trends and risk analysis
Portfolio Analytics & Reporting
- Design, develop, and maintain portfolio dashboards for delinquency, repayment, outstanding balances, disbursement, and sanction monitoring across critical parameters and demographics
- Benchmark competition and industry trends to improve product and policy frameworks
- Derive and present analytical insights to senior management to support policy and decision-making
- Plan and execute reporting activities using analytical methods to manage credit risk effectively
Compliance & Audit
- Handle internal and regulatory audits related to portfolio risk and compliance
- Prepare and circulate audit findings and review notes to senior management
- Ensure credit policy adherence and perform hind-sighting analysis on policy implementation
Stakeholder Coordination & Training
- Coordinate with internal teams to ensure data availability for portfolio monitoring and review
- Provide training and support to frontline teams on credit policies, programs, and guidelines
- Manage complaint resolution related to portfolio risk and credit programs for ground teams
Business Development & Team Support
- Support business development and lifecycle management of Relationship Managers (RMs)
- Drive knowledge management and KPI achievement within the SME segment teams
