Purpose:

The Senior Manager-Banking Risk (Portfolio Management) profile expected to contribute to the strategic direction of  the NBFC through the development and implementation of Risk Management strategies, policies and procedures, portfolio monitoring covering –

•  Portfolio management Framework for unsecured loans.
•  Top up policy establishment and monitoring
•  Loss management (ECL)
•  Engagement with Partners for co-lending portfolio review.
•  Engagement with business to identify business opportunities.
•  Identification and Review of Marginal segments and best performing segments
•  Controllership on Bounce/delinquency metrics to maintain defined NPA for the portfolio.
•  Providing support in building robust risk monitoring system with testing of multiple scenarios.
•  Audit of Approved and disbursed cases to ensure adherence of the policy rules
•  Collection metrics tracking and liasioning with inhouse & partner collection team.
•  Engagement with Bureau and other vendors to incorporate robust policy framework.
•  Management risk review pack on Portfolio
•  Defining SOP’s on Top up program and multiple portfolio metrics tracking with reporting.
•  Engagement with Compliance and legal teams to ensure adherence of RBI guidelines pertains to Lending business.

Key Responsibilities:

The position is involved with defining the strategies associated with Credit, Collections, Operational and Risk containment risks, with the focus being Credit & Collections Risk. Key responsibilities being: -   

Portfolio Management

•  Evaluate different risk metrics i.e Bounce rate/0+/30+/90+ to keep control on early delinquencies.
•  Regular Through the door Monitoring on fresh acquisition.
•  Controllership on portfolio mix
•  Timely identification of Marginal segments to keep control on sourcing quality and Identify business opportunity in better segments to increase good portfolio size.
•  Develop customer Risk segmentation as a part of policy framework to identify cohorts.
•  Responsible for Top up, Operation and Risk containment policy framework
•  Regular Interaction with business, credit and collection team to improvise policy parameters.
•  Develop predictive dynamic monitoring procedures/system for Risk Management Department.
•  Prepare monthly Risk review Decks for required reporting.
•  Automated Risk dashboards to be developed for regular monitoring and reporting
•  Need to work on ECL to define threshold metrics for portfolio. Preparation of loss forecasting to meet the required thresholds.
•  Responsible for contacts with external authorities, for Risk Management matters and for meetings with management, Board, and other related companies, to obtain the most updated risk management information.
•  Coordinate with other departments such as Credit, IT, Operations, Finance/Accounting, Treasury, Legal, Compliance, to create an efficient and effective communication via the functional lines.
•  Support in collections strategies with developing policy, process, and framework for Write off, settlements, restructuring & recoveries in adherence to RBI guidelines.

  Risk Asset Review

•  Review of individual credit risk in accordance with the established Credit Rating System and Credit quality assessment
•  Ensure that the NBFCʼs Risks are properly addressed in terms of compliance with existing rules and regulations established by regulators.
•  Ensure that classified loans are reported and properly administered in the system.
•  Determine the capital requirements and provisions for each of the products activities to ensure sufficient provision on the book at all time.

Job Requirement

Other job-related requirements

• In depth understanding of lending portfolio risk metrics and their implications.
• Define and manage exposure limits as defined by regulator
• Demonstrate proficiency with Risk Management practices including policy/procedure development.
• Excellent at analytical and problem-solving skills. Must be well versed with Advanced Excel.
• Ability to prepare and analyze comprehensive reports as and when required.
• Excellent communication, organizational and managerial skills.
• Having high ethical standards and integrity in both personal and professional dealings.