Senior Manager Consumer Credit Risk
Nations Trust Bank PLC
Total years of experience :21 years, 4 Months
Review and approve credit for Consumer Products within given delegated authority limits.
Annually review all consumer product credit policies. Proposed suitable changes to strengthen the credit quality of the portfolio.
Developing, maintaining, strategizing and deploying risk tools for consumer products.
Generating and monitoring scorecard performance reports. Conducting periodical reweight exercises to improve scorecard accuracy.
Monitoring exceptions to policies and detect any credit runs.
Introduce effective risk analytics to monitor and maintain credit quality of consumer assets portfolios.
Support the business lines to maximize portfolio profitability by overlooking the revenue generating projects by providing risk assessments.
Monitor delinquency flow rates / impairments and take necessary precautions based on Portfolio Defence Triggers to mitigate future losses.
Overlook the company registration process that assists the Personal Loan lending policy.
Making credit decisions to enhance line size of reactive customer requests
Initiating policy review proposals and new market penetration proposals supported by risk-reward analysis and projected profit & lost calculations.
Analyzing vintage performance of the overall portfolio segment and recommending areas to improve underwriting policy of the Bank
Analyzing risk/reward of the portfolio segments and review product pricing and fees
Design and execute marketing campaigns for existing card members to improve spend and profitability.
Designing and executing periodical proactive line increments programs for the consumer products.
Ensure continued compliance with internal policy documents, Audit, AMEX by Laws, Central Bank of Sri Lanka (CBSL) and Exchange Control Regulations
Critically analyze business profit and lost objectives. Monitor and track all revenue and cost lines to ensure the business achieves its annual profit and lost budgets.
Design and drive cross-sell projects for internal customers.
Design and drive revenue generating product features for credit card portfolio.
Review authorization declines and take necessary action to improve portfolio spend.
Regularly monitor portfolio movement/flows across risk levels and formulate strategies to mitigate potential credit losses
Recruitment and managing the training and development of internal staff
Managing external debt collection agencies
Coordinate with ‘Legal’ for write-off recoveries.
Monitor trends and provide future projections on expected specific provisions and delinquency flow rates to the top management.
Setting out the procedures for data capturing and updating the MIS database
Analyze all data and develop Management Reporting summaries.
Provide findings and feedback to Credit Risk and Underwriting to mitigate future lost.
Review and update the Bank’s Collection Policy
Manage all administration work when coordinating with other internal departments as well as External Organizations, which are related to the Consumer Collection Department
Monitor and maintain all systems with harmonious relationship with Bank’s IT department
Ensure that system meets user requirements and to propose, execute specific tasks to increase efficiency in the operating systems
Monitor and introduce proper checks to ensure that the department comply with audit requirements and follow proper policy guidelines.
Identify all training needs and coordinate internal/external training programs for the staff members
Capacity planning for future expansions and manage all recruitments and induction trainings.
Team Leader for both Credit Cards and Consumer Loans
Managed the Outbound & Inbound Call Centre for Consumer Collections
Agent Performance Appraisals
Conducted Collection Trainings
Inbound Call handling for American Express Call Centre
Inner Circle (NTB's Selected Top Customer Segment) Ambassador for the American Express Customers
Conducted Customer Service trainings for new recruits
Complaint Management
Manage all Inbound Calls for SCB on all products and Banking operations.
One of the most recognized Master of Business Administration programs in Sri Lanka. Completed 20 subjects with two comprehensive exams and one Entrepreneur Skills project.
An Advance Diploma program by the "Association Business Executives (ABE) - UK"
An Advance Diploma program by the "Association Business Executives (ABE) - UK"