Job Description
Job Duties and Responsibilities :
• Work on the credit policy for cards, according to the prevailing rules & regulations in the U.S.
• Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan U.S.
• Facilitate regular asset quality reviews with provision of analytics insights to identify risks / opportunities and recommend relevant actions.
• Design & manage MIS reporting for credit cards portfolio - Gather risk / business requirements, interpret and analyze and present them to the Leadership through dashboards, visual reports etc.
• Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal / regulatory requirements, business strategies, market environment or portfolio performance.
• Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
• Work in partnership with the analytics team and financial modelling team to track the metrics and build what-if scenarios to support credit policy formulation.
• Ensure timely completion of root cause analysis, including appropriate action plans to address identified control gaps.
• Ensure issues / action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly follwed up
• Work on the credit policy for cards, according to the prevailing rules & regulations in the U.S.
• Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan U.S.
• Facilitate regular asset quality reviews with provision of analytics insights to identify risks / opportunities and recommend relevant actions.
• Design & manage MIS reporting for credit cards portfolio - Gather risk / business requirements, interpret and analyze and present them to the Leadership through dashboards, visual reports etc.
• Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal / regulatory requirements, business strategies, market environment or portfolio performance.
• Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
• Work in partnership with the analytics team and financial modelling team to track the metrics and build what-if scenarios to support credit policy formulation.
• Ensure timely completion of root cause analysis, including appropriate action plans to address identified control gaps.
• Ensure issues / action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly follwed up
💡 Quick Summary
Seeking a career-building opportunity? The Credit Risk Expert position is now open for candidates interested in the Bank Jobs sector. This role in Ahmedabad offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
