Credit Policy and Monitoring Specialist

Team Member-SUPPORT SERVICES-Credit Monitoring Group

1. Policy formation & implementation

• In charge of Pan Bank Board policy of credit department. Shall be responsible for drafting Board Policy for wholesale and retail credit.     
• Shall also be responsible for drafting processes for implementation of such policy which get placed in Board level committees and other senior management committee. 
• Should ensure that policy and processes are modified on timely basis in adherence to changes in RBI regulations and circulars.
• Analysing the market trends / practices and benchmarking of policies with the market.
• Interacting with cross functional teams, understanding the current practice and accordingly recommending the policy / process changes. 
• Monitoring the implementation of signed off policies/ process, identifying gaps and taking corrective action.

1. Limits/ Celling Monitoring 

• Monitoring of NBFC exposure celling, Environmental, Social & Governance (ESG) celling and Group consolidation CAP of large exposure of the bank at frequent interval. 
• Setting up the process for automating the process of celling / CAP monitoring and ensuring that output is as per requirement. 
• Highlighting the derivation/ red alert in case any deviation or higher utilization of actual limit. 
• Releasing frequent MIS to senior management. 

1. RBI indent / Audit requirement: 

• Understanding RBI requirement and ensuring revert submission within timeline.
• Identifying department/ division of the bank for RBI revert and co-ordinating with team for revert submission.
• Providing data / information / explanation to RBI auditor, Statutory / internal and concurrent auditor as per requirement and within timeline. 
• Tracking and implementing all the changes suggested by Regulator / Auditor. 

• Master’s degree (CA /CS/ MBA) in Finance, Accounting, Business Administration, or related field.
• At least 8 - 10 years of experience in credit underwriting or as a lead in policy / process team. 
• Knowledge of Policy drafting, Credit Appraisal, Credit Monitoring or regulatory requirements.
• Experience in automation of manual process and monitoring the change. 
• Analytical skills, proficiency in trend analysis and understanding of data flow in banking system. 
• Written and verbal communication skill with the ability to present information clearly and concisely