Specialist| Credit Portfolio Management| Consumer Banking

Business Function
Risk Management Group works closely with our business partners to manage the bank's risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure-en

Job Purpose
• To ensure timely and accurate submission of Regulatory Reporting
• Cultivate & maintain a consistent consumer credit culture in the Bank to ensure compliance with regulatory and internal standards

Key Accountabilities
• Ensure accurate and timely submission of all Regulatory Reporting detailed below but not limited to:
• Reporting of performance of our borrower loans to the 4 Bureaus
• Proactively manage a robust customer escalation, dispute management process
• Reporting of performance of our borrower loans to NeSL
• Ensure controls and processes are streamlined for all Regulatory reporting activities
• Ensure accurate and timely reporting to NHB Regulator for our Housing loans
• Credit risk reporting to all the Internal & External stakeholders i.e Finance, Compliance, Region etc,
• Engage proactively with key stakeholders from Business, Reporting teams, Credit Policy, Technology, Operations etc.
• Support UAT of all system led changes

Job Duties & responsibilities
• Preparation of bureau reporting files for submission to all 4 bureaus.
• Conduct controls, hygiene checks to ensure accurate reporting
• Conduct monthly Quality Control checks to ensure accurate and timely reporting
• Publish regular dashboards of regulatory reporting items ( customer disputes solved and ageing of the items).
• Perform regular and ad-hoc risk reporting to consumer credit management/ line of business stakeholders and MIS preparation for regulatory reporting.
• Run and produce MIS for reporting on risk exposures and metrics to enable informed and strategic decision-making.
• Identify opportunities/ gaps to improve data quality and existing reporting processes
• Provide UAT support for any data migration or MIS platform enhancement to ensure successful implementation.

Experience

At least 10-15 years of experience in financial sector towards Retail Credit risk MIS & Reporting.

Education / Preferred Qualifications
• Degree holder, preferably in risk management/ quantitative discipline
• Knowledge of strong command in Microsoft Office (Word, Excel, Powerpoint & Access).
• Good understanding and knowledge of credit cycle management (acquisition, collection & portfolio management) in a consumer credit environment preferred.

Work Relationship
• Team-player with good inter-personal, communication & writing skills.
• Meticulous with strong analytical and problem-solving skills.
• Seek to understand stakeholder's point of view and find win-win solution.
• Motivated and self-driven