Job Purpose:
This position is responsible to develop, refine and implement a robust risk management framework for TVSCS, align it to the future needs and in line with the market best practices.
Functional Responsibilities:
Risk Assessment:
- Conduct comprehensive risk assessments for potential borrowers.
- Analyze financial statements, reports, and relevant information to determine creditworthiness.
Portfolio Monitoring:
- Monitor the credit portfolio to identify emerging risks and trends.
- Provide insights and recommendations to optimize the risk-return profile.
Regulatory Compliance:
- Ensure adherence to credit risk regulations and internal policies.
- Collaborate with the Chief Manager to implement changes as needed.
Risk Reporting:
- Prepare regular reports on risk metrics and portfolio performance.
- Assist in the development of presentations for senior management and stakeholders.
Model Review:
- Assist in the review and validation of risk models.
- Collaborate with the Chief Manager on model improvement initiatives.
Stress Testing:
- Contribute to stress testing scenarios and analysis.
- Provide input on strategies to mitigate risks identified through stress testing.
Job Requirements:
Qualifications : Chartered Accountant/Premium MBA Institutions
Experience : 8+ years\' experience in retail credit/ risk space with bank of repute/ NBFCs
Functional Competencies:
- Knowledge of regulations around retail and corporate finance
- Ability to derive industry insights & analyze best practices across industry
- Ability to analyze the portfolio risk and to deal with big ticket customers
Behavioral Competencies:
- Strategic and analytical thinking
- Strong communication and interpersonal skills
- Problem solving and decision-making skills
- People Management & Networking skills
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