Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile.
We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure
Job Purpose :
Responsible for the credit risk reporting and MIS to internal and external stakeholders
Timely and accurate preparation and submission of MIS, Reports and Returns to concerned stakeholders.
Monitoring and reporting portfolio caps as per Credit Policies and regulatory norms.
Ensuring that the regulatory reporting process is effective, efficient and well controlled.
Ensure automation of all reports to reduce manual intervention and increase efficiency.
Liaising with key stakeholders regarding regulatory returns
Remain updated on Credit risk policies, regulatory environment such as RBI and MAS regulations, Basel II and III norms, IFRS 9, Ind AS 109, etc.
Job Duties & responsibilities :
Verification of all MIS- Regulatory / Non Regulatory
Ensure timely and accurate submission of RBS () reports to RBI.
Automation of database relevant for submission of regulatory returns and other reports.
Customization of system generated reports to aid in preparation of reports and returns.
Assisting the team in various projects undertaken from time to time.
Good knowledge and understanding of relevant risk policies and external regulatory reporting requirements, Basel II / III, IFRS 9 / Ind AS 109, etc.
in order to ensure that the reports and the reporting environment conform to internal and regulatory requirements.
Ability to understand and identify key issues from both summary and detailed data.
Minimum experience in Banking of 7 to 8 years with experience in Credit MIS & Regulatory reporting.
Education / Preferred Qualifications
The job holder would preferably be a post graduate with relevant experience.
The job holder needs to possess the following skills :
Good analytical skills
Good presentation skills
Good interpersonal skills
4. Good knowledge of various industries / sectors
Good knowledge of credit evaluation methods, tools & techniques
Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India) and local laws and regulations that impact businesses in general.
Knowledge of various banking products and risks associated with them
Basic understanding of Quantitative analysis preferred
Should be conversant with excel in preparation of Credit MIS & Regulatory reports
Knowledge of MS Access or other Data Base Management tool would be an advantage
Work Relationship : Need to maintain good working relationship with Business team, Credit Control Unit and other product teams (GTS, T&M etc), RBI inspectors, regulators and other external agencies.