Credit Risk Role Bank 1220 yrs N Novo Tree

Job Responsibilities: - Responsible for overall credit portfolio analysis, monitoring and reporting - to highlight risks (exposure, concentration, security, limits, etc.) - Create and track risk metrics and concentration limits for portfolio, products, regions, and other key risk drivers in CCBG segment. Identify key areas of portfolio concerns and provide recommendations on action plans / an appropriate risk tools, key metrics and triggers - Coordinate closely with stakeholders to ensure that risk appetite and standards are being complied - on the emerging changes in the portfolio for any realignment or re-balancing. - Undertaking ICAAP and Credit Risk Stress Testing for various portfolios of the Bank and timely submission of ICAAP document the results of Stress Testing to Risk Management Committee - Responsible for review of polices related to Credit Risk for CCBG Segment - Review of various Portfolios across IBU to identify areas of credit risk policy changes / and to assis IBU in enhancements in consultation with Credit / Business and based on IFSCA / Basel III / IRFS guidelines - Ensure timely submission of Data Requirements - Scheduled and Adhoc like RBS, Industry wise Data, RBI/other Audit Adhoc requirements. - Need based Detailed review of Industries/Segment of portfolios - CCBG Segment. - Assist seniors in presentation of agenda related credit risk management/board risk management committee which includes preparation of information pack, and responding to queries/analytical request from the committee. - Assist in Stakeholders Management- Business, Credit, Strategy, Finance, Audit, Compliance, Regulatory, Top Management, Board etc. - Approve credit proposals/ transactions within delegation power assigned or recommend to next higher approving level for approval in accordance with the delegation power architecture set out. - Handling of Basel Disclosures and RBS submission pertaining to Credit Risk - Participate proactively to various risk related projects and initiatives owing to synergies (i.e. ICAAP, Stress Testing, Credit Risk Models, ECL, etc.) Key Skills: - Extensive working experience with Bank (preferably Private, PSU and MNC) on Credit Risk Management. - Strong understanding of Credit Risk analysis and Credit and related policies, process etc. - Good understanding of Risk Management principles and Basel III and evolving practices, regulatory guidelines in this space. - Possess strong problem solving skills (hypothesis-driven thinking, analytical, quantitative, conceptual skills) - Capable of professional discussions with internal and external stakeholders. - Strong organizational skills with ability to manage multiple priorities. Proven ability to work in teams and manage projects and deliver business results in a rapidly changing and cross-functional matrix environment. Educational / Professional Qualifications: Experience with financial background viz. CA/MBA (Finance) /CFA etc. FRM/PRM preferable with around 12-16 years of experience