Assistant Vice President- Credit Risk

Role & responsibilities

• Experience in Credit Risk Management activities including portfolio monitoring, early warning signals, risk appetite tracking, and risk mitigation strategies.
• Develop, validate, and monitor Expected Credit Loss (ECL) models under Ind AS 109 and ensure adequacy of provisioning.
• Conduct portfolio analysis and NPA monitoring, delinquency trends, roll-rate analysis, vintage analysis, and collection effectiveness reviews.
• Drive Enterprise Risk Management (ERM) initiatives, including risk identification, assessment, reporting, and governance.
• Support preparation and submission of ICAAP, risk appetite framework, and regulatory risk reports.
• Perform Stress Testing and scenario analysis to assess portfolio resilience under adverse economic conditions.
• Monitor key risk indicators (KRIs), concentration risks, sectoral exposures, and emerging portfolio risks.
• Collaborate with Business, Collections, Finance, and Analytics teams to strengthen portfolio quality and credit governance.
• Prepare risk dashboards and presentations for Senior Management, Risk Management Committee, and Board Committees.
• Ensure compliance with RBI guidelines, internal policies, and risk management best practices

Preferred candidate profile

• Strong experience in Credit Risk, ECL (Ind AS 109), NPA Monitoring, ICAAP, Stress Testing, and Enterprise Risk Management.
• Sound understanding of retail, microfinance, MSME, and secured lending portfolios in Banks/SFBs/NBFCs.
• Expertise in portfolio analytics, provisioning methodology, risk models, and regulatory reporting.
• Proficiency in Excel, SQL, SAS, Power BI, Tableau, or other analytics tools

Interested candidates may share their updated resume on [email removed].