Job Description

Job Category: KMBL
Degree Level: Bachelor's Degree
:
: To manage credit risk across the Consumer Bank portfolio by ensuring robust underwriting, portfolio analytics, early warning detection, and policy compliance. The role involved risk evaluation of proposals, driving risk-adjusted growth, and supporting regulatory and internal audits.
Key Responsibilities:
The role requires to process, implement and develop risk strategies for Consumer business

• Operate and maintain an effective risk management system by creating a robust risk framework which includes risk identification, assessment, mitigation, tracking and reporting
• Evaluate product/programs/policies in line with regulatory guidelines and build strong risk controls across all spectrums (Onboarding, Credit, Operations, Fraud, Reputation, etc.)
• Assessment of scorecards and formulation of policies/ strategies basis scorecard
• Ensure credit policies align with business strategy and RBI regulatory norms.
• Conduct regular monitoring of portfolio KPIs: bounce rates, delinquency trends, and EWS.
• Build and monitor EWS dashboards to detect stress in mortgage portfolio.
• Use statistical tools (Excel, SQL, SAS, Python) for deep-dive analytics where needed.
• Support ICAAP, IRB and stress testing documentation as needed.

Job Requirements:

• MBA/ Postgraduate in Banking Industry.
• Certification in credit risk, data analytics, six sigma and FRM is an advantage.
• 7-8 years of experience in private banks or large sized NBFC. Experience in Legal/ Technical evaluation is an added advantage.
• Experience in implementing scorecard models in policy and credit decisioning process.
• Proficiency in data mining and using visualization tools will be an added advantage.
• Experience in implementing BRE and rule-based underwriting and enabling automation of credit checks.

Skills Required