Policy and MIS, Credit Risk Management Division (Retail)

Key Responsibilities are:o Formulation, implementation, and review of prudent credit policies and processes for Unsecured Lending Products (Credit Cards and Personal Loans) in line with group policies and local regulatory and market environment.o Regular, constant and timely review of Unsecured Lending portfolio with a view to ensure that policy parameters are up-to-date in the current environment.o Review of Credit Approval Documents (CAD) and Country Credit Procedure Manuals (CCPM) of Unsecured Lending products on timely basis.o Development and Review of portfolio analytics for effective portfolio tracking and ensuring portfolio triggers are within set threshold and to keep the portfolio within acceptable risk appetite. o Effectively monitor and review Portfolio trend to ensure strict control over delinquency management to minimize net credit losses.o Provide credit policy decisions and clarifications to internal stakeholders.

o Managed a portfolio of clients in various SME and commercial industries including Trading, Construction, Property & Real estate, export-import business etc.o Monitored the credit risk of the portfolioo Prepared Credit Proposals for new business and deals and ensure appropriate facility structure for each client

A year-long rotation in different departments in the bank