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.