Assistant VP - Credit Strategy - RFB - Mumbai - Lodha (I-Think Techno Campus) - B wing - MM

Business Unit Retail Finance Business Location Goregaon-Mumbai Job Role Credit Strategy – LAP Team Leader / Individual Role Individual Role Reporting Manager Strategy Head Reviewer Chief Credit Officer

Key Responsibilities:  Identification of early warning risk indicators through monitoring triggers and periodic review of portfolio at various parameters.  Regular monitoring of risk triggers set against each programs, Quantifying and highlighting major parameter for overall portfolio monitoring.  Tracking portfolio on various cuts/dashboards to ensure overall portfolio quality and sourcing quality.  Initiation and monitoring of corrective action plans for the burst triggers through suggestion and changes.  To recommend modification, if required, for change in approval matrix or existing policy parameters.  Identifying and reporting various key trends in market/competition, to engage in first level dialogue and identify the erring segments in company’s portfolio.  Taking corrective actions to minimize delinquency and to achieve projected ROAs and ROEs  Ensuring that the corrective plan results in maintaining Net Credit Losses with in the budgeted level.  Discontinuing policies and programs contributing to higher losses.  Overseeing the unplanned growth in any geography affecting the portfolio quality and to put preventive course of action well in advance.

Key Competencies / skill set: • Minimum 10 years of experience in Credit Analysis of LAP. • Good Credit and risk understanding in LAP. • Good Analytical skill, Data Slicing, and number crunching skill.

Desired qualification

• C.A. • MBA (Finance)