Job Description

- To lead and manage the end-to-end retail credit monitoring function, ensuring portfolio health, regulatory compliance and strategic alignment with the bank’s risk appetite.

- Assessment of credit exposures.

- Early identification of potential credit deterioration, Stress testing – processes, compliance, product, underwriting.

- The ideal candidate will bring deep expertise in banking credit products, regulatory frameworks, and portfolio analytics.

- The role involves oversight of portfolio analytics and digital transformation initiatives across all retail lending products like Credit card, Gold Loan, MFI, LAP/ HL, EL, PL, wheelers (2W/4W/CV), Equipment (CE/ HCF/ ML), LAS etc.

Responsibilities

Managerial Responsibilities:

Head CMD Retail will manage team of Lead Credit monitoring manager & Credit monitoring manager.

Functional Responsibilities:

- Oversee the bank’s retail portfolio.

- Detect early warning signals by analyzing financial, behavioral and transactional data.





- Monitor borrower performance and industry trends to proactively identify potential credit stress.

- Track the entire credit lifecycle from application to disbursement across various credit and product parameters.

- Continuously assess portfolio performance, hygiene metrics and sectoral exposure limits.

- Prepare regular risk reports for senior leadership.

- Identify and highlight emerging risks, sectoral concentrations and credit exposure trends.

- Recommend corrective measures for stressed accounts.

- Design and update credit monitoring policies in line with RBI regulations and Basel norms.

- Ensure solid post-sanction monitoring systems are in place.

- Ensure full compliance with regulatory guidelines, including RBI’s credit risk management standards.

Qualifications

Master's degree in Business

CFA/ CA preferred.

Min Exp: 15 years

Max Exp: 20 years

📌 Lead CMD - Retail| Mumbai
🏢 CSB Bank
📍 Mumbai