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 prospects
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