Assistant Vice President- Credit Risk

Utkarsh Small Finance Bank; Varanasi; Vor Ort; INR 1.200.000 - 1.800.000; Vollzeit

Zusammenfassung

Utkarsh Small Finance Bank is seeking an experienced Risk Management professional to lead Credit Risk activities, including portfolio monitoring, early warning signals, risk appetite tracking, and risk mitigation strategies. The role focuses on developing, validating, and monitoring Expected Credit Loss (ECL) models under Ind AS 109, with emphasis on provisioning adequacy, NPA analysis, and stress testing.

You will collaborate with Business, Collections, Finance and Analytics teams to deliver

Qualifikationen

• Experience in Credit Risk, ECL (Ind AS 109), NPA Monitoring, ICAAP, Stress Testing and ERM.
• Familiarity with RBI guidelines and risk governance frameworks.
• Strong proficiency in portfolio analytics and provisioning methodologies.

Aufgaben

• Lead Credit Risk activities including portfolio monitoring and early warning signals.
• Develop, validate and monitor ECL models under Ind AS 109 and provisioning adequacy.
• Conduct portfolio analysis, NPA monitoring, delinquency trends and vintage analysis.
• Drive Enterprise Risk Management initiatives, risk assessment and governance.
• Support ICAAP, risk appetite framework and regulatory reporting.
• Perform stress testing and scenario analysis for portfolio resilience.
• Monitor KRIs, concentration risks and sectoral exposures.
• Collaborate with Business, Collections, Finance and Analytics teams.
• Prepare risk dashboards and presentations for Senior Management and Board Committees.
• Ensure RBI compliance and adherence to risk management policies.

Kenntnisse

Credit Risk

ECL Ind AS 109

NPA Monitoring

ICAAP

Stress Testing

ERM

Tools

Excel

SQL

SAS

Power BI

Tableau

Jobbeschreibung

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