JOB DESCRIPTION

Job Purpose: We are looking for a candidate with 4-10 years of experience in retail asset underwriting and credit risk analysis. The candidate should have a background in assessing and managing credit risk, ideally having worked in roles such as Senior Manager, AVP, or DVP in related domains. The focus is on contributing to portfolio risk monitoring, analysis, and policy evaluation to support the bank's risk management objectives.

Summary:

The Team member Credit Risk (Retail Assets - Wheels) is responsible for rigorous monitoring of retail asset portfolio quality (for auto loan and CVCE), executing drill-down analysis on key risk metrics, and delivering recommendations for policy and product norm revisions. This is an individual contributor role focused on portfolio risk monitoring, detailed risk analysis, and policy evaluation to support the bank's risk management objectives.

Duties and Responsibilities:

1. Monitor portfolio quality for auto loan (four-wheeler), and CVCE products through periodic analysis of exposures, delinquencies, and segment performance.
2. Conduct deep-dive risk metric analysis, identifying trends, outliers, and emerging portfolio risks using advanced analytics and dashboard tools.
3. Propose and document changes to existing policy and product standards based on risk analytics, including risk observations and scenario modelling.
4. Vet credit norms for newly developed products and amendments, providing technical validation and risk input for product program features.
5. Prepare and submit comprehensive risk monitoring and analytical reports, supporting regulatory, risk governance, and audit requirements.
6. Validate risk rating scorecards and risk models; conduct trend and behavioral analysis to refine rating methodologies and improve predictive capabilities.
7. Ensure strict compliance with regulatory guidelines, internal controls, and audit recommendations across all portfolio review activities.
8. Collaborate with cross-functional teams to support high-quality submissions for Credit Risk Management Committees and other governance forums.
9. Perform any other responsibilities as assigned by the Bank related to credit risk management and portfolio oversight.

Experience / Skillset / Certifications Required:

· Postgraduate degree in Finance, Economics, Statistics, or related field preferred; CA/CFA; Risk certification is desirable.

· 4–10 years of experience in credit risk assessment, underwriting, and portfolio analytics within retail lending segments.

· Advanced proficiency in MS Office, especially Excel for risk modelling and data analysis.

· Demonstrated experience in risk metric validation, regulatory reporting, and risk analytics; familiarity with credit risk profiling dashboards is advantageous.

· Advance Excel & M.S Office