Verified Job
Accounting - Finance
Specialist Credit Portfolio Management Consumer Banking
Accounting - Finance
#199692
Remote / WFH
Job Description
SkillSet: " microsoft word", " quality reviews", " early warning", " policy management", " credit risk".
Business Function
Risk Management Group works closely with our business partners to manage the bank s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure
Job Purpose:
• To frame the credit card policy framework (acquisition and account management policies), processes and workflow, assist in growth of the credit card business in India.
• Credit cards credit policy management and MIS analytics for portfolio monitoring and regular reviews
• Support implementation of credit decision module on Credit cards technology platform
• Partnership with product development, collections, systems and operations team to ensure product development and roll out objectives are met
Key Accountabilities:
• Portfolio performance monitoring through a structured early warning mechanism
• Assist on developing Fintech partnerships, vendor empanelment, UAT activities on system changes
• Compliance with all internal and RBI/MAS guidelines
• Ensure system changes keep pace with product development and ensure adequate controls
Job Duties and Responsibilities:
• Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan India
• Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
• Design manage MIS reporting for credit cards portfolio - Gather risk/business requirements, interpret and analyze and present them to the Leadership through dashboards, visual reports etc.
• Streamline and automate credit risk reporting to ensure timely and accurate generation of reporting outputs by required due dates.
• Link process metrics, performance metrics and set up benchmarks for comparable projects and processes
• Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance
• Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team
• Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance evaluation systems
• Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions
• Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps
• Ensure issues/action plans arising from Risk Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up
Experience and Qualifications Required:
• Bachelor s/University degree or equivalent experience with minimum 7 years of experience in Risk Management and reporting
• Demonstrated ability to manage, operate, develop and handle inputs / outputs to / from Datawarehouse through SQL and/or SAS
• Strong knowledge of Banking/Financial Services domain
• Very good understanding of business financial and risk performance drivers and the impacts of credit performance on business results.
• Sound knowledge of policies / lending frameworks followed for credit card product and its impact to MIS reporting
• Understanding of data modelling
• Excellent communication skills, both oral and written.
Technical Skills Required:
• Proficient in Excel, Microsoft Word, PowerPoint.
• SQL, SAS, Teradata, Oracle
• Added Advantage: Tableau, PYSPARK, Python, Hive
Business Function
Risk Management Group works closely with our business partners to manage the bank s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure
Job Purpose:
• To frame the credit card policy framework (acquisition and account management policies), processes and workflow, assist in growth of the credit card business in India.
• Credit cards credit policy management and MIS analytics for portfolio monitoring and regular reviews
• Support implementation of credit decision module on Credit cards technology platform
• Partnership with product development, collections, systems and operations team to ensure product development and roll out objectives are met
Key Accountabilities:
• Portfolio performance monitoring through a structured early warning mechanism
• Assist on developing Fintech partnerships, vendor empanelment, UAT activities on system changes
• Compliance with all internal and RBI/MAS guidelines
• Ensure system changes keep pace with product development and ensure adequate controls
Job Duties and Responsibilities:
• Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan India
• Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
• Design manage MIS reporting for credit cards portfolio - Gather risk/business requirements, interpret and analyze and present them to the Leadership through dashboards, visual reports etc.
• Streamline and automate credit risk reporting to ensure timely and accurate generation of reporting outputs by required due dates.
• Link process metrics, performance metrics and set up benchmarks for comparable projects and processes
• Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance
• Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team
• Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance evaluation systems
• Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions
• Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps
• Ensure issues/action plans arising from Risk Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up
Experience and Qualifications Required:
• Bachelor s/University degree or equivalent experience with minimum 7 years of experience in Risk Management and reporting
• Demonstrated ability to manage, operate, develop and handle inputs / outputs to / from Datawarehouse through SQL and/or SAS
• Strong knowledge of Banking/Financial Services domain
• Very good understanding of business financial and risk performance drivers and the impacts of credit performance on business results.
• Sound knowledge of policies / lending frameworks followed for credit card product and its impact to MIS reporting
• Understanding of data modelling
• Excellent communication skills, both oral and written.
Technical Skills Required:
• Proficient in Excel, Microsoft Word, PowerPoint.
• SQL, SAS, Teradata, Oracle
• Added Advantage: Tableau, PYSPARK, Python, Hive
