Portfolio Manager

Role: Portfolio Management

Exp:5 + Years,

Type: Full Time,

Location: Mumbai,

Np: Immediate to 15 days.

Skills: Risk, Portfolio Management & Operational Risk, Credit Analytics, Python , SQL, Advanced Excel.

Objective (Purpose of the Job)

The job holder is responsible for credit portfolio performance tracking for all pertinent loan products, develop and maintain reports, tools and MISs. Responsible for estimating future loss on new and existing portfolios, for product lifetime value and provisioning estimations. Holds responsibility and accountability for managing the risk/return tradeoffs for the businesses and interacting with investors regarding portfolio health tracking. Also

responsible for managing market risk and counterparty risk at local country level.

Key Skills and Responsibilities

Must Have:

• Monitor key Collection metrics of Resolution Rates, and Flow Rates
• Identify high risk customer segments in the retail portfolio of PL and CD
• Strong data analytics skills and experience in Python, SQL and Advanced Excel
• Analysing and monitoring of loan portfolio risk performance specifically retail loans such as credit cards and personal loans
• Identify and measure the dependencies of portfolio behaviour
• Prepare and document policy changes or new products in cooperation with Risk units and other departments
• Developing standardized regular and ad-hoc reporting for various levels of management
• Providing data extraction, analysis and visualization to support company-wide decision making
• Estimates future loss probability for existing products as well as pilots. Create risk benchmarks for pilot products and monitor actuals versus assumed.

Dimensions

The significant quantities on which the job has an impact

Credit risk in P&L and balance sheet Risk cost in LTV estimation

Pilot product management

Portfolio risk performance measurement and control Counterparty and market risk exposure

Required Know-how and Skills

If relevant - Type of specific experiences in different/similar jobs, formal education with specific details, professional training, language knowledge, computer skills, competencies etc.

1. Proficiency in Python, Advanced Excel and SQL Presentation skills and tools proficiency

2. Fundamentals of risk management Underwriting, Delinquency life cycle, collection strategy and risk analytics involving loan loss forecasting, PD, LGD modelling

3. Data analytics Proficient level, MIS management, hypothesis generation and testing

4.Data modeling and analyses

Need to have areas

• University degree in Economics or Mathematics/statistics or management
• Banking or Consumer Finance background
• Excellent knowledge and practical experience in risk strategy, processes, procedures, portfolio analysis and reporting
• Expertise in working with Oracle database (PL/SQL) and Oracle BO and BIEE
• Advanced knowledge of MS Office (especially Excel macros, formulas, VBA; PowerPoint, Word)
• Advanced financial and analytical thinking
• Fluent in English
• Communication and presentation skills
• Minimum of 5+ years proven experience in

Risk management position

• Structured, strong analytical skills
• Systematical approach
• Strong, determinate, meeting agreed deadlines
• Flexible and adaptable for changes
• Creative to solve problems, pro-active
• Accuracy, discreetness and self-reliance
• Open-minded and innovative
• Cooperative and supportive
• Reliable
• Able to work under pressure
• Effective communication skills
• Planning and organizing
• Ability to prioritize and delegate tasks
• Team management and stakeholder management skills

Nice to have areas

• Financial planning and profit and loss models

• Knowledge of the Indian finance industry

• Knowledge of anti-fraud and collections management

• Financial planning and profit and loss models

• Knowledge of the Indian finance industry

• Knowledge of anti-fraud and collections management