Credit Policy Analytics

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Credit Policy & Analytics

HDFC Bank
Mumbai, Maharashtra
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21 hours agoFull–time
Job Purpose

Tableau Development, Monitoring Probability of Default (PD), Model testing / Analytical Dashboards, PAR Management, NPA and Stress Accounts Reporting

Job Responsibilities(JR) : 6 – 8 Areas

Actionable (4-6)

· Tableau Development
• Creating Analytical Dashboards that can be used by supervisors in the line Credit Team
• Interacting with RCHs and ACMs for improvement in these Tableau Platforms
• Ensuring accurate and timely updation of Tableau Dashboards

· Monitoring Probability of Default (PD)
• Monitoring of Expected Probability of Default (PD) v/s Observed weighted average PD and reporting the key findings to PRM, APRM and regional teams
• Monitor and review exceptional trends in through the door for key demographic / parameters (such as income, age, vehicle segment).
• Benchmarking of top location/state level PD's and monitoring for incremental disbursement. (All the disbursal of the location/Hub/State)
• Monitoring of early trigger at portfolio level basis P27 bands – Non-starters, EMR, High ticket delinquent cases, life tables.
• Compilation and extraction of data for various analysis and put them in structured way for meaning full interpretation
• Publishing monthly newsletter and following with Line on various reports / data / deliverables and then follow up for improvisation

· Model testing / Dashboards
• Comprehensive testing of Models and fixing of errors before new roll outs in the system.
• Ensuring the maximum deviations are automatically triggered in front end system and ensuring improvement of data quality through Online PAR audits.
• Preparation and validation of database to be uploaded for Pre-approved & Pre-qualified campaigns
• Monitor the performance of the P27 / scorecard through changes in approval ratios, increase / decrease in Probability of Default (PD) rates.
• Publish interactive reports and dashboards report scheduling using Tableau server to review through the door trend for Probability of Default and loss rate.

· PAR Management
• Publishing of PAR reports on a monthly basis and bring down and maintain the PAR error rates below benchmarks
• Ensure adherence to defined policy and processes through routine PAR audits. Regular review of PAR format and scope to cover the latest changes in policy and process change
• Cross functional interaction to initiate process changes to plug the process gaps based on PAR findings. Traveling to Key locations for PAR workshop & system implementation

· Monitoring Key metrics like TAT, Reworks, Rejects, Approvals, Rejections, Deviations, Dropouts and drive corrective action in locations which reflect abnormal variance from benchmarks

· NPA and Stress Accounts Reporting

· Identification & reporting of SMA accounts. Sensitizing business/location team on clearance of overdue amount so as to avoid them from getting reported. Freezing of limits where accounts have been reported as SMA by other Banks/NBFCs.