Job Description:

· Leading and managing a team of Credit Risk Analysts to develop data driven, automated credit risk portfolio management

· Develop, monitor and publish Risk Metrics / dashboards to evaluate the quality of loan portfolios and based on analysis, recommend solutions/strategies to minimize credit risk in relevant portfolios of the Bank

· Strong domain knowledge in corporate credit ratings with an analytical approach

· Establishing, monitoring, evaluating and interpreting data with a risk management focus

· Analysis of portfolios (Risk drivers – ratings, scores, delinquencies, roll rates, cure, collection efficiency, churn, concentrations, ECL) and drive risk decisions

· Manage Credit Risks in conjunction with the respective Credit division in a timely manner

· Early identification of concern accounts, forecast delinquencies / NPAs, to ensure a healthy Credit portfolio with no surprises

· Establish portfolio credit risk management performance guardrails and evaluate performance, utilize sensitivity analysis, stress testing, market trend,



and other analytical methodologies to anticipate any credit trends or deterioration and obtain insights into portfolio performance

· Closely monitoring performance of portfolios and comparison with peers

· Monitoring external setting/ developments and correlating with impact on the lending portfolios of the Bank

· Automation of existing reporting and analytical processes through systems

· Delivering presentations for senior management, Board, Regulator that include portfolio activities, analytics of risk, performance, emerging trends.

· Prepare insightful risk reports and committee notes to inform strategic decision-making.

· Maintainawareness of current regulatory/industry trendsimpacting the Bank’s credit areas.

· Responsible for implementing Corporate Credit RWA computation under standardized and advanced approaches

· End to end management of the Group ICAAP with effective review and challenge, to

📌 Team Lead (Mumbai)
🏢 Acura Solution
📍 Mumbai