Job Description

• Focus on identification, measuring, monitoring, and managing the risks (including credit, operational, market risks etc. ) in the overall portfolio and individual borrowers

• Gathering market intelligence about the borrower and industry through:
  1. Regular lesioning with borrower s bankers, credit rating agencies, CIBIL etc.
  2. Regular meeting with company s management and its supply chain stakeholders
  3. Interacting with other industry players, wherever possible
  4. Any other sources of information that are available

• Taking responsibility of managing the overall credit quality of the portfolio

• To have risk awareness about macro and sectoral issues related to various sectors where the division has lent and is looking for business opportunities

• Benchmark the internal credit monitoring policy to the industry and keep improving upon the same

• To monitor the compliance of internal and regulatory guidelines etc.

• To monitor the portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyses the covets and evaluate industry performance in that sector

• Regularly updating on the pending compliances, gaps in security creation and perfection to be duly highlighted to the senior management including credit committee etc.

• Regularly track and evaluate the collaterals using Collateral Management System or any other process/system and suggest mitigant steps to preserve/recover the value of the collaterals as the case may be

1. Empanel and use the services of established and on ground valuers to identify any impairment in the collateral and take appropriate steps

• Devise riskbased data analytics tools, including Collateral Management System and pending compliances etc. , that are constantly evolving and gradually can be used to predict the Early Warning signals

• Use statistical models to standardize and improve lending decisions

• To make sure that all the post sanction compliances are regularly met and adhered to

• Ensuring proper end use of funds, adequate insurance cover of borrower s assets, legal documentations are complete and valid etc

• Monitoring escrow statements and cash flow performance of the project and the borrower

• Keep track of the timely receipt of all payments from the borrowers and to ensure that ABFL s security and security cover are constantly monitored and safeguarded

• Conduct regular site visits and periodic meetings with company s management wherever required and feasible

• Suggest and initiate actions when risk metrics are breached or have potential to be breached and follow up on the action items as advised by the management

• To regularly upgrade credit procedures & ensure their compliance with internal & external rules of lending

• Keeping track and monitoring of the under construction, along with Business & Credit Team, including physical and ficial progress.

• Using latest technology such as satellite image analytics, artificial intelligence, machine learning, among others to enable risk identification, monitoring and field level interventions

• Using remote project monitoring tools to identify and predict project delays and losses

• Evaluating cost and time overrun, if any of the projects and suggesting mitigating measures for the same.

• Regular interaction with project stakeholders including LIE, other lenders of the project etc.

• Attending Lenders/consortium meetings, Investor calls etc .

• To review reports and analytics on repayment schedules, covet monitoring, modification in terms and loan sanction, etc

• Undertake regular site visit of operational / under construction projects to keep track of the project assets and identify any gaps, which can be used to safeguard the project assets.

• To maintain accurate reports & analysis of portfolio risk variances & trends for the lending portfolio

• To present periodic MIS to the Head Credit Monitoring and other internal and external stakeholders

• To effectively deploy processes and mechanisms for ensuring high quality TATs for validating lending proposals & share the same with all concerned

• To ensure prompt resolution/ explanation of queries raised by sanctioning authorities

• Prepare the MIS, Working Files for Infra and Wholesale Business
• To Forecast the Profit numbers
• Budget & Planning exercise for Infra and wholesale division

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Education