Head – Credit Policy and Portfolio, PB (ex-WM) - AVP

In Scope of Position based Promotions (INTERNAL only)

Job Title: Head – Credit Policy and Portfolio, PB (ex-WM) -  AVP

Location: Mumbai, India

Role Description

To manage the Credit Policy and Portfolio for the Private Bank (ex-WM) in India

What we’ll offer you

As part of our flexible scheme, here are just some of the benefits that you’ll enjoy,

• Best in class leave policy.
• Gender neutral parental leaves
• 100% reimbursement under childcare assistance benefit (gender neutral)
• Sponsorship for Industry relevant certifications and education
• Employee Assistance Program for you and your family members
• Comprehensive Hospitalization Insurance for you and your dependents
• Accident and Term life Insurance
• Complementary Health screening for 35 yrs. and above

Your key responsibilities

Credit Policy

• Managing credit strategy for MSME lending primarily for products like Unsecured Business Loans, Loan Against property and Working Capital.
• Additionally managing credit policy for mid- market customers and home loans.
• Working on supply chain finance product, setting up infrastructure to cover policy, process, gating norms and monitor the portfolio performance and thresholds set
• Preparation of Credit Assessment templates, policy notes, KOPs and implementation of various applications.
• Managing risk and credit practice in line with Risk policy framework, banks risk appetite and business requirements.
• Adhering to RBI circulars from time to time on interpretating to same, checking impact of circular on the unit and implementing with requisite approvals
• Engaging with product, legal, compliance to establish risk management standards
• Managing credit authority for underwriters and timely review of same for necessary modifications as may be required.

Portfolio Management

• Managing Fintechs towards ease in processing and with enhanced credit diligence
• Identifying good and bad segments in the portfolio to recognize the risk and take policy action to arrest weaker segments
• Slicing and bisecting data on a regular basis to understand the portfolio performance at a product level, location level, segment level and the probable areas of concerns there
• Bureau engagement towards what is happening in the industry and subscribing to various insightful information on a time to time basis
• Portfolio presentation to various group stakeholders
• Set up restructuring framework and monitor the portfolio for further actions
• Managing timely renewals for working capital customers by setting out necessary processes, digitizing the aspects wherever possible and maintain risk standards.
• Monitor Quick mortality to understand the portfolio quality, sourcing, any learning from the mistakes, if any and if there is a need for any policy revisions to avoid errors.

Audits

• Managing various audits like regulatory audit, group audit, concurrent audit.
• Liasioning with auditors, sharing requisite information, adhering to timelines.
• Ensure closure of findings as per timelines and monitor the effectiveness going forward

Monitoring / EWS

• Complying to RBI requirement on EWS from time to EWS
• Engaging with fintech tracking on going functionalities and towards smoother implementation from time and time
• Understanding market dynamics and enhancing internal systems for making internal system EWS system robust
• Working on both internal and external alerts to get 360 degree view of the customer to pre emp stress in the customer and take timely actions
• Placing watchlist policy, putting the framework in place, tracking cases on a regular basis to monitor the portfolio movement
• Strategy implementation for timely exit of problematic customers
• Engaging with various institutions like CRISIL, CMIE, CIBIL, NSEL, fintechs, valuation agencies, law firms to understand the market dynamics on multiple aspects
• Staff Accountability Review given regulatory requirements and compliance to the same

Your skills and experience

Basic requirements

• Expertise in all aspects and functions of Credit Risk management, both in underwriting as well as policy / portfolio functions; as well as a strong understanding of relevant regulatory requirements

Skills

• Analytical and logical solutioning approach
• Project management
• Cross-functional liaising, both within and outside the Risk function
• Negotiation

Experience

• CA / MBA from premium institute
• 15 years of relevant work experience

How we’ll support you

• Training and development to help you excel in your career.
• Coaching and support from experts in your team.
• A culture of continuous learning to aid progression.
• A range of flexible benefits that you can tailor to suit your needs.

About us and our teams

Please visit our company website for further information:

https://www.db.com/company/company.htm

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.