Vice President - Asset Quality Monitoring

Role Purpose

Manage the Key Asset Quality & Product Risk metrics for the Organization.

Role Accountability

• Monitor Key Risk indicators and early warning triggers on Asset Quality and ensure ongoing portfolio monitoring to identify and flag-off any areas of concern on a timely basis, for corrective action.
• Review and monitor the performance and early delinquencies of the Portfolio at various cuts and recommend corrective Actions in consultation with Credit & Collections team.
• Review and monitor the performance of various SBI Card Products and flag-off any areas of concern on a timely basis, for corrective action.
• Ensure effective implementation of the New Product Introduction (NPI) Policy, with timely assessment of New Product Introduction proposals by the business team & put them up for NPI Committee's review.
• Ensure periodic reviews of the existing products. Ensure the product performance from a Risk Metric performance standpoint is put up to management.
• Ensure effective implementation of the Digital Payment Products and Services Policy in compliance to the Regulatory guidelines.
• Develop the Credit Risk policy encompassing Policy parameters and broad guidelines in line with overall Risk Appetite for Retail Pre-Acquisition, Corporate as well as Portfolio Management.
• Prepare Quarterly Investor reports & FAQs on Asset Quality for sharing during the investor / shareholder meetings. Represent the SBI Card Risk team in the regulator Investor meets in SBI Card office or virtually.
• Prepare the Quarterly & other regular updates on Asset Quality & Enterprise Risk for the Board & its Committees (RMCB & ACB). Participate in the monthly RMCB update on Asset Quality.
• Prepare the Plan / MoU for Credit cost for SBI Card, building in various parameters of Asset Quality from Acquisition & Collections standpoint as well as Macro-economic factors.
• Work with Credit Bureaus to benchmark SBI Card portfolio with Industry and identify segments of opportunity and risk.
• Organize the Portfolio Strategy Committee (PSC) reviews, giving an all-round view of the portfolio performance by various cuts & segments and recommend segments for appropriate action.
• Review & recommend Credit & Collections Policies and conduct the gap assessment of board approved policies / processes viz. a viz. Regulatory requirements
• Create benchmarks for segment level acquisitions and monitor monthly / weekly performance against these and flag off any deviations.
• Identify accounts & coordinate for periodic NPA & Write-off Pool sale-off to asset reconstruction companies.

Measures of Success

Technical Skills / Experience / Certifications

Competencies critical to the role

Skills Required

Data Analysis, Underwriting, Credit Risk, Collections