Associate Vice President - Retail Risk
IDFC First Bank Ltd.
Total des années d'expérience :15 years, 6 Mois
- Periodic portfolio / delinquency trend review and assist necessary credit policy / product changes pan India. - Preparing and publishing quarterly / monthly reviews.
- Quarterly and monthly Credit Loss and profitability analysis of books from specific assets / regions / products.
- Customer risk scoring (HAS Scoring) module maintenance and periodic review on accuracy.
- Credit Audit and breach branches review. Feedback on underwriting process and quality.
- Evaluating new Loss Pool arrangements with manufacturers, reviewing existing arrangements and setting portfolio triggers.
- Risk grading of assets.
- Periodic market visits and enacting upon root cause of specific delinquencies.
- Socio economic study on infra and transportation- trends / government policies and linking credit policy / implementing caveats accordingly.
- Credit Underwriting & Delinquency Analysis - North and West India (8 states, 60% volume) - retail loans.
- Leading / training / managing team of 8 Asst. Managers and Executives.
Projects:
3rd Party Field Investigation Waivers - Analysis on initiation logic of field investigation and according bouncing behavior. Successfully implemented logic based waivers from April 2015, with no change in bouncing trend or delinquency. Waivers have resulted in a total cost saving of INR 5.8 million for FY 15-16.
Delinquency Review - Staggered / Structured EMI and 7 year tenure product review mainly (high risk products).
IFRS9 Reporting - Devising IFRS 9 reporting blueprint with consultant partner Delloite India Ltd. identifying 4300+ data points (around 300 pertaining to retail portfolio) and how to pull them from existing data record in system. Being a part of BPRG team for data warehousing & mining for future reporting.
Awards & Recognition:
1) ACE Achievement Award - Quarter 1 2015 for implemented FI Waiver Increased operational efficiency by 35% in average processing time without any effect on non-starters / delinquency as on date. Total cost savings of INR 5.8 Million for FY 15-16 on field investigations.
2) Top Credit Team & Zone - 3 months in last 2 quarters of national contest. Accountabilities - Accuracy, Efficiency and TAT of team.
- Credit and risk analysis and portfolio review for CE, and CV (M&HCV) - State of Maharashtra, India.
- Early and Infant delinquency analysis / Non Starters. - Root Cause Analysis for market, product, route, viability etc.
- Timely feedback and analysis to fraud control unit.
- Regular market visit for portfolio feedback and changes.
- Post disbursal field investigation on sampled basis.
- Delinquent accounts and feedback of latest market condition.
- Credit and risk appraisal for Construction Equipment of SME and Retail, finance and refinance for Mumbai and Pune region.
- Sector/Industry wise study for better judgment of proposal.
- Preparation and publication of MIS/data as desired by Management time to time.
- Ensuring TAT, portfolio and vendor management.
- Project undertaken on various product viability.
- HNI client acquisition for premium equity and futures and options trading desk.
- Delivering equity analysis and revenue generation.
- Trainee in product management of rural group medical insurance and process
- Necessary permutation and combinations for modifying the product for different channel partners, depending on the healthcare condition of the population.
- Promoted to Asst. Manager on completion of probation.
Project Details:
Understanding the credit appraisal process of Commercial Vehicles and preparation of dissertation on same. Implementing a rank scoring model for credit scores. Basic multi-linear regression model.
(Honors in Finance)
– general commerce / business studies / economics and statistics
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