Senior Associate,Analyst- Partnership Portfolio Manager, Priority Sector Lending

Business Function

PSL or Priority Sector Lending is a vertical that takes care of the lending that are mandated by RBI to all the banks for certain specific sectors that are considered as critical for the development of the nation. These are sector such as agriculture, micro / small enterprises, housing, education & renewable energy, etc.

In DBS, we have identified few avenues like MFI & NBFC on-lending, PTC's, direct assignment & co-lending to achieve PSL targets along with organic business like gold loans, SME lending, LAP & affordable housing.

Responsibilities

Portfolio management role includes following activities for DAand Co-lending Partnerships – Portfolio and pool assessment, designing pool parameters, physical due diligence on the portfolio, NPA monitoring & provisioning, periodic audit & coordination, portfolio monitoring and analytics.

• Analysis of Static pool and dynamic portfolio cuts for arriving at loss estimation
• Designing pool selection criteria basis static / dynamic cuts and previous transaction performance
• Field visit for pool due diligence at originator's branch / office and preparation of due diligence report
• Supervise the reconciliation workings on pay out, escrow bank account and coordinate with internal teams
• Should be ready to travel within India based on organizational requirement
• Liaising with various departments for execution of Direct assignment and Co-lending transactions
• Automation and preparation of portfolio performance reports required for monitoring and reporting purposes

Requirements

Technical Competencies

Primary Location

India-Maharashtra-Mumbai

Job

Risk Management

Schedule

Regular

Job Type

Full-time

Job Posting

Mar 12, 2025, 1 : 58 : 42 PM

Skills Required

Banking Products, Data Analytics, Credit Underwriting