Candidate with 4-5 years of experience in Financial credit risk management with experience mainly in policy, formulation, review and validation preferably together with good experience in some of the other domain areas as follows:
Ø Carrying out gap analysis i.e. identify and highlight gaps of existing credit risk and market risk/operational risk policies in terms of its current compliance with regulatory norms and suggest/recommend areas for suitable improvement
Ø Hands on experience in formulating, refining and validating credit risk policies for funding Small and Medium Enterprises, mid corporates, large corporates and infrastructure projects by aligning policy aspects with industry best practices
Ø Good understanding of Basel II & III Risk and capital metrics including salient aspects pertaining to PD, LGD, EAD modelling/ framework also employed for computation of expected credit losses
Ø Exposure to ICAAP framework/methodology covering both Pillar I and Pillar II risks and good practical/conceptual understanding of specific risks such as Interest Rate Risk, Liquidity Risk, Concentration risk as well as frameworks employed for Stress Testing and Scenario analysis
Ø Credit Risk Rating methodology/framework for rating facilities to Small and Medium Enterprises, mid corporates, large corporates and infrastructure projects, both greenfield and brownfield, involving road, power (both renewable and non-renewable) and other generic infrastructure
Ø General understanding of banking sector products as well as good understanding of operations of banks, NBFCs, other financial institutions and financial markets
Ø Data analytics orientation-Ability to cleanse, interpret, analyze data and crystallize findings
Ø Application of basic statistical techniques to risk and financial data
Ø Ability to work with data sets in Excel and use Excel Statistical Add-ins
Ø Sound ability to clearly communicate, verbally and in report format, concepts and ideas through presentations/report writing. Good interpersonal skills, knowledge of MS-Office applications and skills in making/delivering effective presentations
Ø Ability to work as a team
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