Measure, analyze, and report treasury risks in accordance with group treasury policy and statutory guidelines. Measure, analyze, and report investment risks in compliance with bank’s investments policy. Negotiate and facilitate execution of ISDA, MRPA, CSA, GMRA and other legal and financial agreements. Ensure risk compliance - treasury, credit, market, liquidity, and asset management. Undertake liquidity stress testing for reporting to ALCO as per Basel guidelines. Perform financial risk and credit analysis to establish ratings and underwrite business propositions.Conduct due diligence and recommend actions to minimize business risk initiatives. Prepare industry outlook and create weekly, monthly, and ad-hoc reports. Conduct variance analysis and back-testing on existing models for continuous improvement.Develop credit models to estimate expected credit loss as per regulatory guidelines / IFRS 9/ IND AS 109 /US GAAP.

Lead initiatives for development of methodologies for measurement of Credit Portfolio Management across the Group and associated models/ processes.Develop and enhance the Credit Reporting & Monitoring framework which meets the requirements of various external & internal stakeholders. Ensure timely and accurate delivery of Credit Risk reports. Interpret the information and suggest actions for consideration by Senior Management.Work with the Head of Risk Management/ Internal Audit /Group Business Head in carrying out the responsibilities pertaining to Board Risk Committee which includes preparation of the information pack and responding to data/ analytical requests from the Committee.Work with the Head of Risk Management/ Group Business Head in enhancement and review of Group Credit Policies & Standards in order to ensure that these reflect the best practice and regulate the risk assets of the group as directed by the Board. Provide requirements and design inputs, particularly with regard to credit risk recognition, measurement and its reporting as part of the core team for implementation of key credit risk related projects. Research and evaluate clients’ creditworthinessCreate credit scoring models to predict risksApprove or reject loan requests, based on credibility and potential revenues and lossesCalculate and set interest ratesNegotiate loan terms with clientsMonitor paymentsFollow up with clients to manage debt settlements and loan renewalsEnsure all lending procedures comply with regulationsDevelop, review and update company’s credit policies

Establishing trade credit lines, checking credit references, financial spreading, financial statement analysis, PFE, and predicting financial trends of commodity trading companiesPreparation of credit memoranda to assess risk and recommend exposure limits; conduct variance analysis and back testing on existing models and making necessary modifications to improve effectivenessDeveloping strategic and financial plans on the basis of short and long range forecastsExecution of all AML/CDD screening in compliance with such policies and procedures to ensure appropriate screening of any transaction before any commitment establishedOverseeing and managing daily cash application processing, underwriting, and risk mitigationProviding timely and informative analysis to management on reserves for bad debt, AR aging, metrics and deductions. Managing AR portfolio risk for new and existing accounts being over limit and/or past duePreparation of industry statistics and projections for trading, lending decisions, and financial data for analysis of creditworthiness of customersOversee issuance of import documentary credits, standby letters of credit, and bank guaranteesWork closely with Logistics / Control / Accounts Teams in the preparation of reports (ad hoc, daily, weekly, monthly) to local management / Head OfficePerform financing operations globally and undertaking risk management activities such as foreign exchange spot transactions and short-term investments and interest rate hedging requirements to protect the company’s financial well-beingEffective management of banking partners and bank covenants, financial service providers and investors and maintaining positive working relationships, to review of pricing, product and services rendered and produce accurate bank interest/chargesDriving action plans to resolve customer issues and making decision to put customer’s shipment on hold

Effectively managing risk by determining creditworthiness of commercial loan applicants; analysing range of financial data, including balance sheets, income / cash flow statements, budgets, and projectionsProviding monthly reporting around Balance Sheet and Income Statement metrics, with a focus on loan balances, interest income, and expensesResponsible for ensuring all approval conditions are satisfied, finance and other legal documents are appropriately executed and a closing memo is prepared confirming the transaction is eligible for fundingSupporting preparation of short and long range forecasts and working with management to develop strategic and financial plansReporting of financial performance and key metrics and articulation of risks and opportunities for the CDF businessMonthly outlook/forecasting and budget development with continued focus on variance analysisAccountable for credit/risk ratings and risk classifications, non-earnings, credit costs and other Business and Risk financial metricsOversee portfolio analysis and file maintenanceIdentified operational processes inefficiencies and recommended necessary improvementsAnalysing utilisation and capacity against performance goalsFacilitating month end close processes and client feedback

Reporting historical trend, ratio analysis, and cash flow analysis of prospective and existing borrowersPreparing monthly, quarterly, half-yearly, interim, and annual reviews on the portfolio of companies concentrating on management, industry influence, operating performance, financial condition and repayment capacityPreparation of credit memorandum and predicting financial trends to assess risk and recommend exposure limits for companies across industries, including manufacturing, distribution, wholesale, and service

Vendor Development and Import of Plastic Granules and Chemicals.Production, Planning and Operation of fasteners and sheet metal components.