Credit Monitoring & EWS Mgr-WCR

Job Title

Credit Monitoring & EWS Manager - WCR

Business Unit

Wholesale Credit Risk

Reporting To

Head - Credit Monitoring & Early Warnings - WCR

Job Function and Role Type

Credit & Risk, Individual Contributor

Version No

1.0

Job Purpose

Identify, implement, and enhance credit processes and systems to ensure comprehensive and effective credit monitoring. Develop and monitor early warning tools for timely identification of potential credit deterioration and execution of corrective strategies.

Key Responsibilities

Credit Monitoring Process

Identify and enhance credit processes and systems for improved monitoring and risk control; Assess adherence to credit processes and highlight deviations to management; Examine root causes of credit delinquencies and recommend process improvements.

Early Warning System

Enhance early warning tools to provide advance alerts on credit risks and frauds; Create workflows to ensure timely identification and resolution of risks; Ensure closure of actionable items by credit teams to prevent slippages.

Portfolio Risk Review

Conduct periodic or event-based portfolio reviews to assess quality and emerging risks; Perform stress tests on portfolios with Credit and Policy teams to suggest corrective actions.

Periodic reports on portfolio

Publish reports on portfolio quality, delinquency, trends, and key indicators; Prepare monthly and quarterly reviews on wholesale portfolio performance and regulatory updates.

Digitization

Collaborate with IT and vendors to enhance technology usage in credit monitoring and reporting; Adopt suitable tech solutions to reduce manual effort and improve efficiency.

Education:

Chartered Accountant or MBA from a reputed institute.

Certifications:

Credit Products & Process Knowledge, Regulatory Framework, Knowledge of Systems & IT.

Key Competencies

Analytical ability, communication, credit process knowledge, regulatory understanding, IT systems knowledge.

Major Stakeholders

Wholesale Credit, Operations, Business Teams, Audit, Compliance, IT, Analytics Team, Fincon.