IRM-Credit Monitoring & EWS Mgr-SME

Job Title

IRM-Credit Monitoring & EWS Manager-SME

Business Unit

Integrated Risk Management

Reporting To

Head - Credit Monitoring & Early Warnings

Job Function and Role Type

Wholesale & Retail Credit Monitoring & EWS, Individual Contributor

Version No

1.0

Job Purpose

Implement and enhance the Early Warning System (EWS) framework across various products. Ensure workflow efficiency, compliance, and data quality in credit monitoring processes.

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; Analyze root causes of credit delinquencies and recommend process improvements.

Early Warning System

Enhance early warning tools to detect potential credit risks and frauds; Create workflows for warning signals, ensuring timely closure of actionables; Highlight deviations in achieving early warning actionables to management.

Portfolio Risk Review

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

Periodic reports on portfolio

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

Digitization

Collaborate with IT and vendors to adopt technology for credit monitoring and reporting; Enhance automation to reduce manual effort and improve efficiency.

Education:

Chartered Accountant or MBA from a reputed institute.

Certifications:

None specified.

Key Competencies

Credit products and process knowledge, communication, systems and IT knowledge, analytical ability, regulatory framework.

Major Stakeholders

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