Lead CMD - Retail| Mumbai

• 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 strong 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