Senior Manager

• 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

• Communication with Finance on conciliation of risk related financial metrics

• Propose challengers to existing strategy, document it and evaluate performance

• Forecast, planning, budgeting for Risk Function, track actual performance against budget, calculate risk losses

• Cooperate on risk related projects such as NPA Flagging, ICAAP, Interest Rate Risk Pricing Model

• Regular communication with Underwriting, Anti-fraud, Collections and other Departments and teams

• Regular update to CRO about events, activities and initiatives

• Escalate risks and issues to appropriate level of management

• Effectively communicate relevant information to CRO and to Headquarters

• Involved in framing retail credit policies, underwriting procedures, creation and maintenance of MISs and portfolio analytics.

• Contributes to the development of annual plans and also involved in the credit approval process and subsequent implementation of approved facilities in order to maintain a healthy credit portfolio.

• Monitors portfolio performance and reviews policies to ensure competitiveness and health of portfolio.

• Estimates future loss probability for existing products as well as pilots. Create risk benchmarks for pilot products and monitor actuals versus assumed.

• Deeply involved with provisioning and impairment estimates for current and future portfolios. Locally manage provisioning models. Good knowledge of IFRS 9 provisioning concepts

• Risk SPOC for major inter-department initiatives.

• 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

• Communication with Finance on conciliation of risk related financial metrics

• Propose challengers to existing strategy, document it and evaluate performance

• Forecast, planning, budgeting for Risk Function, track actual performance against budget, calculate risk losses

• Cooperate on risk related projects such as NPA Flagging, ICAAP, Interest Rate Risk Pricing Model

• Regular communication with Underwriting, Anti-fraud, Collections and other Departments and teams

• Regular update to CRO about events, activities and initiatives

• Escalate risks and issues to appropriate level of management

• Effectively communicate relevant information to CRO and to Headquarters

• Involved in framing retail credit policies, underwriting procedures, creation and maintenance of MISs and portfolio analytics.

• Contributes to the development of annual plans and also involved in the credit approval process and subsequent implementation of approved facilities in order to maintain a healthy credit portfolio.

• Monitors portfolio performance and reviews policies to ensure competitiveness and health of portfolio.

• Estimates future loss probability for existing products as well as pilots. Create risk benchmarks for pilot products and monitor actuals versus assumed.

• Deeply involved with provisioning and impairment estimates for current and future portfolios. Locally manage provisioning models. Good knowledge of IFRS 9 provisioning concepts

• Risk SPOC for major inter-department initiatives.

• Working experience with SQL and Python required

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