Senior Team Member - Risk Rating Unit

Role - Senior Team Member – Risk Rating & ComplianceRole objective - Centralized unit independently validating the ratings for corporate, SME, business banking, NBFC, MFIs, brokers, bank clients across the bankReporting Authority Head – Risk Compliance & RatingsEducation CA/ MBA/ CFA or equivalent from reputed instituteExperience · 8-11 yrs of post qualification experience preferably in business, credit function of Bank/ NBFC. Must have - Hands-on experience on Project Finance.Job Description · Internal rating validation for corporate, SME, business banking, NBFC, MFI, broker, bank clients across the bank. Key activities include o Detailed review and understanding of credit (industry, business, financials, management), credit ratings o Preparation of rating rationale along with rationale for any changes in risk scores o Review deviations to the credit policy of the Bank o Recommendations/comments on all proposals placed to Board level credit committee with respect to policy compliance/ portfolio risk/ industry prospects etc o Approve judgemental rating action proposed as per delegation matrix o Decision making along with the stakeholders (Credit/ Business) o Effective interaction with business/credit groups across Large Corporates/ Emerging Local Corporates/ NBFC/ Brokers/ MFI/ Projects/ Small, Micro Enterprises/ Business Banking o Effective resolution of internal audit/ external audit/ RBI queries · Review and recommend on classification of Borrowers under Financial Difficulty · Periodic review and updation of industry risk scores including addition of new industries as deemed appropriate. · Track latest industry developments by participation in seminars, conferences and client site visits, interactions with clients, rating agencies, industry database providers, · Benchmarking of companies within sectors · Define and facilitate the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the division. · Nurture talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals. · Develop and nurture a continuous talent pipeline for key roles in the division and provides mentoring for high potential talent in the organization· Ensure adherence to process and ability to work within pre-decided TATSkill SetsFunctional · Strong understanding of finance and accounting concepts · Ability to identify key characteristics and drivers of diverse sectors/ businesses · Knowledge of risk assessment and controlSoft skills · Good negotiation skills · Sharp communication and presentation skills · Team player, handling resources · Fosters a culture of quality focus in the organization by establishing systems/ processes and encouraging, rewarding the right behavior · Fosters a culture of continuous process improvement and makes balanced investments in the right resources (technology/people) for enhancing efficiency and productivity

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