About the role
- To lead and manage the end-to-end retail credit monitoring function, ensuring portfolio health, regulatory compliance and strategic alignment with the bank’s risk appetite.
- Assessment of credit exposures.
- Early identification of potential credit deterioration, Stress testing – processes, compliance, product, underwriting.
- The ideal candidate will bring deep expertise in banking credit products, regulatory frameworks, and portfolio analytics.
- The role involves oversight of portfolio analytics and digital transformation initiatives across all retail lending products like Credit card, Gold Loan, MFI, LAP/ HL, EL, PL, wheelers (2W/4W/CV), Equipment (CE/ HCF/ ML), LAS etc.