Formulate credit policies for agricultural products, analyze risks, monitor credit scoring models, and track performance metrics for loan processing.
Design thinking, Competition Connect, Risk and Credit Due Deligence Understanding, D Analytical Skill, Drafting and Designing skills, Deep understanding of retail products end to end loan life cycle, System understnding - LOS/ LMS/ End to end loan processing, System flow knowledge, Presentation Skills, Soft Skill to manage team/ people.
Responsibilities1) Formulating Credit Policy and Operational Guidelines various Agri products like KCC/ Non KCC/ Farm Equipment Loans/ WHR Finance etc.
2) Deep understanding on Agri processes, Crop cycle, Produce management and marketting.
3) Evaluate, implement and monitor internal & external Credit scoring models in partnership with business/Credit department
4) Risk Analysis for new product approvals and new business
5) Establish requirements for data maintenance and management and working with IT on implementation. Create management reporting using visual interface-based tools to monitor portfolio performance at portfolio segment (e. g., product, vintage, Risk segment, score band, or marketing channel), vintage and account levels to identify positive and negative trends such as improved portfolio quality or heightened delinquencies and recommend strategy changes to the business
6) Tracking performance against guardrails, analyze portfolio and macro-economic data to determine potential impact on business operations.
7) Report control weaknesses, compliance breaches and Operational loss events.
8) Evaluate Credit loss assumptions for benign and stress case scenarios used for valuation models at the time of portfolio acquisitions, portfolio performance monitoring and conduct independent validation and vintage level loan performance
9) Develop and build
QualificationsExperience Range : 10 to 15 Years
Qualifications :
Graduate (Any Specialisation)
Post Graduate (Agri Specialisation)
MBA
CA
CSB Bank Mumbai, Maharashtra, IND Office
CSB Bank Limited Mumbai Office, Siroya Center, 1st, 2nd and 3rd Floor, Sahar Airport Road, Andheri East, Mumbai, Maharashtra, India, 400099
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