Team Member – Credit Monitoring
Job ID
XXX
Department
Commercial Banking
Number of Positions
1
Location
Infinity It Park, Mumbai
Reporting Relationships
Associate Vice President
Position Grade
Deputy Manager
The Commercial Banking business caters to customers of Bharat, and plays a
pivotal role in meeting substantial portion of the priority sector lending
obligations of Bank. It offers a range of products for agriculture (Agri) and
Tractor Finance, purchase and operations of commercial vehicles and construction
equipment, rural housing finance and gold loans. Further, Agri Business Group
(ABG), a division within the business, caters specifically to the needs of
customers in Agriculture related activities like cultivation, manufacturing,
processing and trading segment catering to financials needs of individuals and
small & medium enterprises in this segment. Economic setting of urban,
semi-urban and rural areas and weather conditions of India influences the
business’ operations and performance.’
Job Role :
* Monitor ECLGS portfolio for compliance with RBI/NCGTC and internal Bank
guidelines.
* Track account performance, delinquency trends, SMA status, and early warning
signals.
* Validate and reconcile ECLGS data submitted by business units and operations
teams.
* Prepare and publish periodic MIS, dashboards, and portfolio status reports.
* Coordinate with Business, Operations, Credit, Collection, and Compliance
teams for issue resolution.
* Support guarantee claim lodgment, claim tracking, and related reconciliation
activities.
* Handle data requirements for audits, inspections, and regulatory reviews.
* Conduct portfolio analytics and identify risk trends for management
reporting.
* Ensure timely closure of monitoring exceptions and action items.
* Assist in process improvement and automation initiatives within ECLGS
monitoring activities.
* Any other activity related to monitoring function
Job Requirements:
* 2-3 years’ experience in Credit or
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