InCred Finance - Chief Manager / AVP - Credit Risk Analyst - SME

Key Responsibilities :

• Define risk and monitor the formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.
• Conduct portfolio analysis to identify key risk and mitigation strategies
• Tracking portfolio triggers (thresholds / breach), risk appetite level, NPA / write off trends, quality of static asset pool, early risk, non-starter trend and taking corrective actions thereof.
• Monitor Collections efficiency, triggers (thresholds / breach), flow rates, trends etc
• Manage and monitor portfolio and credit risk to ensure alignment with the organization's risk appetite and business objectives.
• Creating & monitoring the early warning systems for each product
• Review credit policies and ensure they are comprehensive and aligned with established risk frameworks.
• Conduct thorough end-to-end credit process reviews to identify gaps, improve operational efficiency, and ensure compliance with regulatory requirements.
• Credit Risk Policy formulation and implementation of framework for new product / program launch within risk appetite of the organization and its subsequent review / amendment
• Lead risk analytics initiatives to deliver actionable insights that support decision-making and risk mitigation strategies
• Drive end-to-end process enhancements focusing on risk mitigation and promoting sustainable, profitable growth

Required Skills :

Experience & Qualifications :

Education : Chartered Accountant (CA) / MBA

(ref : iimjobs.com)