Credit Risk Management, AVP

Overview

Assistant Vice President in Credit Risk Management, managing a portfolio of Corporates, Banks, NBFIs, Insurance Companies and Mutual Funds, and supporting regulatory and portfolio reporting.

What you'll do

• Manage an assigned portfolio of clients across Corporates, Banks, NBFIs, Insurance Companies and Mutual Funds.
• Approve counterparty credit exposure limits for Transaction Banking products and FX Hedging / Derivative products.
• Approve specific transaction-level approvals for structured products.
• Write credit reports and assign internal credit ratings for clients based on industry, business and financial analysis, including projections.
• Monitor performance of companies and sectors on a real-time basis and make suitable changes in ratings or limits to reflect changes in risk level.
• Ensure effective utilization of the Bank's capital at client level.
• For non-remunerative relationships, work with the Relationship team to derive a strategy that could include exit or pricing revision.
• Provide regular MIS to senior management on portfolio composition and status of accounts.
• Provide all support required for regulatory tasks within the Credit Risk Management team, both globally and locally.
• Support portfolio management activities, including system-related tasks, as per the global credit policies of the bank.

What you'll need

• Post-graduate level qualifications with business/finance major (e.g. CA / CWA / MBA / FRM).
• 3-6 years of experience in credit risk management in wholesale banking from a reputed financial house, including analysis, approval / recommendation of transactions and portfolio responsibilities.
• Basic understanding of key products: financings, trade finance and global markets (FX/rates/commodities).
• Strong technical and analytic skills, and risk judgment.
• Strong written and verbal communication skills.
• Proven ability to make time-sensitive credit decisions.
• Proven ability to leverage AI tools to enhance productivity and optimise workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs.

Details

• Location: Mumbai, India.