- To lead and manage the end-to-end retail credit monitoring function, ensuring portfolio health, regulatory compliance and strategic alignment with the bank’s risk appetite.
- Assessment of credit exposures.
- Early identification of potential credit deterioration, Stress testing – processes, compliance, product, underwriting.
- The ideal candidate will bring deep expertise in banking credit products, regulatory frameworks, and portfolio analytics.
- The role involves oversight of portfolio analytics and digital transformation initiatives across all retail lending products like Credit card, Gold Loan, MFI, LAP/ HL, EL, PL, wheelers (2W/4W/CV), Equipment (CE/ HCF/ ML), LAS etc.
Responsibilities
Managerial Responsibilities:
Head CMD Retail will manage team of Lead Credit monitoring manager & Credit monitoring manager.
Functional Responsibilities:
- Oversee the bank’s retail portfolio.
- Detect early warning signals by analyzing financial, behavioral and transactional data.
- Monitor borrower performance and industry trends to proactively identify potential credit stress.
- Track the entire credit lifecycle from application to disbursement across various credit and product parameters.
- Continuously assess portfolio performance, hygiene metrics and sectoral exposure limits.
- Prepare regular risk reports for senior leadership.
- Identify and highlight emerging risks, sectoral concentrations and credit exposure trends.
- Recommend corrective measures for stressed accounts.
- Design and update credit monitoring policies in line with RBI regulations and Basel norms.
- Ensure strong post-sanction monitoring systems are in place.
- Ensure full compliance with regulatory guidelines, including RBI’s credit risk management standards.
Qualifications
Master's degree in Business
CFA/ CA preferred.
Min Exp: 15 years
Max Exp: 20 years
