Specialist Credit Portfolio Management Consumer Banking

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 Key Accountabilities Fulfil all responsibilities in relation to: . Integration of key eco system partners with the DBIL decision systems as also management of partnership initiatives . Consumer credit policy management and analytics for portfolio monitoring and regular reviews . Monitor portfolio performance through a structured early warning mechanism . Ensure system changes keep pace with product development and ensure adequate controls . Assist on developing Fintech partnerships, vendor empanelment, UAT activities on system changes . Compliance with all internal and RBI/MAS guidelines Job Duties & responsibilities . Assist in the preparation & implementation of product programs like developing Fintech partnerships, vendor empanelment, UAT activities on system changes . Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions . 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, riskKRIs, regulatory inspections or other risk issues are properly followed up Required Experience. At least 10-12 years of total experience with at least 7 years in Retail Credit Risk Education / Preferred QualificationsMBA / CA or equivalent post graduate qualification Core Competencies. Good analysis & evaluation skills . Good interpersonal & communication skills . Good presentation skills . Good problem solving, planning & organizing skills. . Good knowledge of industries/sectors. Technical Competencies. Good knowledge of credit evaluation methods, tools & techniques . Exposure to Digital channels, Fintechs and online tools of credit dispensation . Experience in central credit policy or risk teams in HO . Knowledge of consumer banking products Work Relationship . Interactions with Consumer Banking team. . Good Working relationship with HO Credit team, Risk Audit Team, product teams (Digisavings, CBG etc) . Interactions with collections, fraud and IT, external vendors and auditors. events.India-Maharashtra-Mumbai