Managing credit monitoring Team
Manage credit monitoring division for Construction Finance, SME - Institutional
To build a robust credit coverage and Credit monitoring system
- Focus on identification, measuring, monitoring, and managing the risks (including credit, operational, market risks etc.) in the overall portfolio and individual borrowers
- Gathering market intelligence about the borrower and industry through:
- Regular lesioning with borrower’s bankers, credit rating agencies, CIBIL etc.
- Regular meeting with company’s management and its supply chain stakeholders
- Interacting with other industry players, wherever possible
- Any other sources of information that are available
- Taking responsibility of managing the overall credit quality of the portfolio
- To have risk awareness about macro and sectoral issues related to various sectors where the division has lent and is looking for business opportunities
- Benchmark the internal credit monitoring policy to the industry and keep improving upon the same




- To monitor the compliance of internal and regulatory guidelines etc.

To perform portfolio monitoring and leverage data analytics for effective Credit monitoring & formulate compliance processes for recent and existing business
- To monitor the portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyses the covenants and evaluate industry performance in that sector
- Regularly updating on the pending compliances, gaps in security creation and perfection to be duly highlighted to the senior management including credit committee etc.
- Regularly track and evaluate the collaterals using Collateral Management System or any other process/system and suggest mitigant steps to preserve/recover the value of the collaterals as the case may be
- Empanel and use the services of established and on ground valuers to identify any impairment in the collateral and take appropriate steps
- Devise risk-based data analytics tools, including Coll

📌 Team Member (Goregaon)
🏢 Financial services
📍 Goregaon