Portfolio and Credit Policy Manager

Portfolio & Policy Manager, AS

Job Description:

In Scope of Position based Promotions (INTERNAL only)

Job Title: Portfolio & Policy Manager

Corporate Title: Associate

Location: Mumbai, India

Role Description

Portfolio Management

• Identifying good and bad segments in the portfolio to recognize the risk and take policy action to arrest weaker segments
• Publishing MIS and sharing the same with key stakeholders.
• Slicing and bisecting data on a regular basis to understand the portfolio performance at a product level, location level, segment level and the probable areas of concerns there
• Portfolio presentation to various group stakeholders
• Monitor Quick mortality to understand the portfolio quality, sourcing, any learning from the mistakes, if any and if there is a need for any policy revisions to avoid errors.

Credit Policy

• Managing credit strategy for MSME lending primarily for products like Unsecured Business Loans, Loan Against property and Working Capital.
• Preparation of Credit Assessment templates, policy notes, KOPs and implementation of various applications.
• Interaction with different stakeholders in framing underwriting KOPs and credit policies.

 Audits

• Managing various audits like regulatory audit, group audit, concurrent audit.
• Liasioning with auditors, sharing requisite information, adhering to timelines.
• Ensure closure of findings as per timelines and monitor the effectiveness going forward

What we’ll offer you

As part of our flexible scheme, here are just some of the benefits that you’ll enjoy

• Best in class leave policy
• Gender neutral parental leaves
• 100% reimbursement under childcare assistance benefit (gender neutral)
• Sponsorship for Industry relevant certifications and education
• Employee Assistance Program for you and your family members
• Comprehensive Hospitalization Insurance for you and your dependents
• Accident and Term life Insurance
• Complementary Health screening for 35 yrs. and above

Your key responsibilities

• Continuous monitoring of Portfolio and publishing of periodic MIS
• Portfolio presentation to various group stakeholders
• Managing MSME credit strategies with policy and process updation
• Management of Credit templates
• Stakeholder Management
• Management of different audits

Your skills and experience

• Candidate must have 8-10 years of experience in field of Portfolio Management
• Candidate should have been professionally qualified either Chartered Accountant, MBA (Finance) or any equivalent degree related to banking / finance
• Should be proficient in MS office
• Excellent written and oral communication skills
• Should be adaptable and proactive on implementing technological changes in process when implemented.

How we’ll support you

• Training and development to help you excel in your career
• Coaching and support from experts in your team
• A culture of continuous learning to aid progression
• A range of flexible benefits that you can tailor to suit your needs

About us and our teams

Please visit our company website for further information:

https://www.db.com/company/company.html

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.

Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.

Experience Level

Mid Level