AVP/Chief Manager - Credit Risk (Unsecured & Wheels)

Job description

**Role & responsibilities** - Formulation of Credit Policy for products (Unsecured Business Loan, PL, Credit Card, Staff Loan, Wheels, Gold Loan) - Review amendment proposal to credit policies & effective implementation, - Review and Analysis of historical loan data to understand the pattern from delinquency point of view. - Apply statistical tool to analyze the pattern and come with detailed assessment - Review and Prepare risk dashboard for management which shows all important risk parameters, Customer, vendor, competition visits. Market analysis. - Develop rating model/scorecard for various retail and corporate loans based on historical data - Testing of scorecard/model on a regular basis and update - Coordinate with various stakeholder for the rating model implementation - Prepare and maintain database of loan products from risk assessment point of view - Ensure data is correctly captured in the system and coordinate with different teams to fix the issue - Coordinate with IT team for the automation of credit approval process, LMS & LOS - Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption . Interested candidates may share their updated resume on adarsh.pandey@utkarsh.bank.in