Job Description
Job Purpose
Portfolio Risk Monitoring and Governance
Job Responsibilities(JR) : 6 – 8 Areas
Actionable (4-6)
Portfolio Risk Assessment / Monitoring & Governance
Create basic framework and metrices for monitoring portfolio distribution, concentration, and segmental risk. Keep refining the framework and metrices constantly to keep them in line with the changing business & risk scenario.
Monitoring portfolio risk through Dashboards and Early warning signals
Formulate metrices for validation, critical evaluation, constant & structured monitoring of credit underwriting policies/ framework and related processes. Obtain signoffs on the metrices.
Formulate metrices for granular and critical evaluation of credit scoring / behavioral scoring & rating models for their efficacy and accuracy of on-ground implementation. Highlight gaps in implementation.
Preparing for the structured review meetings with key stakeholders on the aforesaid parameters. Drive the action on the consensus arrived at among key stakeholders around the action areas originating from reviews. Maintain records of formal sign-off from Competent Authorities and drive through time-bound implementation
For the assigned product/s work closely with credit risk modeling and rating team to get the risk estimation models fine-tuned.
RBI & Regulatory Compliance
Create regular update and visibility around RBI and Regulatory Compliance points about the product/s assigned. Work closely with the concerned stakeholders to address the RBI and regulatory audit observations around portfolio risk monitoring and estimation.
Educational Qualifications
Key Skills
• Chartered Accountant
• CFA
• MBA (Finance) from Cat A institutes / IIM
• FRM
• In-depth understanding of portfolio risk metrics & governance (Secured / Unsecured Products)
• Understanding of credit risk prediction metrics and Regulatory Framework around it (BASEL, IFRS etc.)
• In depth understanding of relevant Lending Products & related processes. Knowledge of Competition & Current trends in financial Industry.
• Basic statistical acumen
• Technical skill sets to churn large volumes of data.
• Ability to conceptualize, implement and interpret & present credit risk dashboards.
• Communication, articulation, and presentation skills.
• Proficient operating knowledge of MS Office – specifically excel, PowerPoint & word.
Experience Required
• Minimum experience in years – 8 years if pass out from Tier 1 Institutes / 12 years for other institutes.
• Exposure to Portfolio Risk / Credit Policy management in large lending institutions / Banks
• Exposure to credit risk modeling will be preferred
Major Stakeholders (intra-team and
Portfolio Risk Monitoring and Governance
Job Responsibilities(JR) : 6 – 8 Areas
Actionable (4-6)
Portfolio Risk Assessment / Monitoring & Governance
Create basic framework and metrices for monitoring portfolio distribution, concentration, and segmental risk. Keep refining the framework and metrices constantly to keep them in line with the changing business & risk scenario.
Monitoring portfolio risk through Dashboards and Early warning signals
Formulate metrices for validation, critical evaluation, constant & structured monitoring of credit underwriting policies/ framework and related processes. Obtain signoffs on the metrices.
Formulate metrices for granular and critical evaluation of credit scoring / behavioral scoring & rating models for their efficacy and accuracy of on-ground implementation. Highlight gaps in implementation.
Preparing for the structured review meetings with key stakeholders on the aforesaid parameters. Drive the action on the consensus arrived at among key stakeholders around the action areas originating from reviews. Maintain records of formal sign-off from Competent Authorities and drive through time-bound implementation
For the assigned product/s work closely with credit risk modeling and rating team to get the risk estimation models fine-tuned.
RBI & Regulatory Compliance
Create regular update and visibility around RBI and Regulatory Compliance points about the product/s assigned. Work closely with the concerned stakeholders to address the RBI and regulatory audit observations around portfolio risk monitoring and estimation.
Educational Qualifications
Key Skills
• Chartered Accountant
• CFA
• MBA (Finance) from Cat A institutes / IIM
• FRM
• In-depth understanding of portfolio risk metrics & governance (Secured / Unsecured Products)
• Understanding of credit risk prediction metrics and Regulatory Framework around it (BASEL, IFRS etc.)
• In depth understanding of relevant Lending Products & related processes. Knowledge of Competition & Current trends in financial Industry.
• Basic statistical acumen
• Technical skill sets to churn large volumes of data.
• Ability to conceptualize, implement and interpret & present credit risk dashboards.
• Communication, articulation, and presentation skills.
• Proficient operating knowledge of MS Office – specifically excel, PowerPoint & word.
Experience Required
• Minimum experience in years – 8 years if pass out from Tier 1 Institutes / 12 years for other institutes.
• Exposure to Portfolio Risk / Credit Policy management in large lending institutions / Banks
• Exposure to credit risk modeling will be preferred
Major Stakeholders (intra-team and
💡 Quick Summary
Seeking a career-building opportunity? The Portfolio Risk Analyst | CTG|INF|SME position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai 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.
