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Specialist, Risk Policy

2.00 to 6.00 Years   Mumbai City   28 Jul, 2023
DBS Asia Hub 2
Job LocationMumbai City
EducationNot Mentioned
SalaryNot Disclosed
IndustryBFSI
Functional AreaRisk / Underwriting
EmploymentTypeFull-time

Job Description

    • To frame the credit card policy framework (acquisition and account management policies), processes and workflow, assist in growth of the credit card business in India.
    • Credit cards credit policy management and MIS analytics for portfolio monitoring and regular reviews
    • Support implementation of credit decision module on Credit cards technology platform
    • Partnership with product development, collections, systems and operations team to ensure product development and roll out objectives are met
    Key Accountabilities:
    • Portfolio performance monitoring through a structured early warning mechanism
    • Assist on developing Fintech partnerships, vendor empanelment, UAT activities on system changes
    • Compliance with all internal and RBI/MAS guidelines
    • Ensure system changes keep pace with product development and ensure adequate controls
    Job Duties and Responsibilities:
    • Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan India
    • Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
    • Design & manage MIS reporting for credit cards portfolio - Gather risk/business requirements, interpret and analyze and present them to the Leadership through dashboards, visual reports etc.
    • Streamline and automate credit risk reporting to ensure timely and accurate generation of reporting outputs by required due dates.
    • Link process metrics, performance metrics and set up benchmarks for comparable projects and processes
    • Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance
    • Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team
    • Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
    • Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions
    • Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps
    • Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up
    ,

Keyskills :
product developmentcredit operationscredit policyrisk managementquality reviewsmis reportingcredit riskearly warning

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