a) Credit Risk

- Monitor the Banks overall credit risk exposure across various portfolios, products, sectors and borrower categories.
- Review and analyze the Banks credit portfolio quality, including NPA, SMA, overdue and stressed accounts.
- Monitor credit concentration risk by borrower, group, industry, geography and product.
- Monitor compliance with Board-approved credit risk policies, exposure limits and prudential norms.
- Analyze portfolio trends and identify emerging credit-risk areas.
- Review credit risk indicators and prepare periodic Credit Risk MIS for Risk Management Committee / Board-level committees.
- Monitor deviations from approved credit policies and delegated lending powers.
- Conduct independent review of credit proposals, where required, from a risk perspective.
- Assess the adequacy of credit risk mitigants, including collateral, guarantees and other security.
- Monitor large exposures and vulnerable/stressed sectors.
- Participate in stress testing and scenario analysis of the credit portfolio.
- Coordinate with Credit, Recovery, Finance, Audit and other relevant departments for risk identification and mitigation.
- Recommend appropriate corrective actions for identified credit-risk concerns.

b) Operational Risk





- Establish and maintain an effective Operational Risk Management Framework.
- Identify and assess operational risks arising from people, processes, systems and external events.
- Maintain and periodically update the Banks Risk & Control Matrix (RACM).
- Identify and monitor Key Risk Indicators (KRIs) for critical business processes.
- Capture, analyze and monitor operational risk incidents and losses.
- Conduct Risk and Control Self-Assessment (RCSA) across departments / business units.
- Identify process gaps and recommend appropriate controls and mitigation measures.
- Monitor operational risk arising from:

- Branch operations

- Digital banking

- Payments and settlements

- Cash operations

- KYC/AML processes

- IT systems

- Outsourcing

- Fraud

- Business continuity

- Vendor management
- Analyze root causes of operational loss events and recommend preventive measures.
- Monitor compliance with internal controls and approved operating procedures.
- Coordinate with Internal Audit, Information Security, Compliance, IT and Business functions on operational risk matters.
- Monitor implementation of risk mitigation actions within stipulated timelines.

📌 Risk Officer (Thane)
🏢 TJSB Bank
📍 Thane