The
Portfolio Risk Officer plays a critical role in managing and mitigating credit risk across the Consumer Secured (Auto and Housing loans) and SME portfolio. This role involves deep analytical work, policy development, and cross-functional collaboration to ensure the health and performance of the portfolio.
Duties And Responsibilities
- Portfolio Risk Management - Possesses in-depth knowledge of the end-to-end credit risk lifecycle, with a focus on portfolio risk for Consumer Secured products. Performs routine and complex risk assessments to identify emerging issues and trends.
- Reporting & Analytics - Develops and enhances portfolio risk reports to identify potential credit risks, analyze trends, and recommend actionable strategies to improve portfolio performance. Presents findings to internal Risk teams and supported business units.
- Policy & Process Development - Involve in the development and periodic review of credit policies, processes, and controls related to portfolio and account management, ensuring alignment with regulatory standards and business objectives.
- Project Leadership - May involve to specific projects or initiatives within broader risk management programs. Accountable for the execution and delivery of ongoing risk-related activities.
- Stress Testing & Risk Mitigation - Conducts stress testing on portfolios and provides retail risk expertise to proactively mitigate potential losses.
- Performance Benchmarking - Establishes benchmarks to monitor performing and non-performing segments, enabling early detection of portfolio deterioration.
- Process Improvement - Regularly reviews existing work processes and practices to enhance operational efficiency and reduce credit losses.
- Policy Enhancement - Applies prescribed guidelines and policies to resolve issues, while proactively identifying opportunities for process and policy improvements.
- Cross-Functional Engagement - Collaborates effectively with cross-functional teams, providing strategic guidance on the execution of risk recommendations and initiatives.
Qualifications
- With at least 5 years experience in Risk Management is preferred
- Knowledgeable in R, SAS, other programming languages. with working experience is preferred
Required Skills
- Satisfactory oral, written and presentation communication skills needed to coordinate with customers and various units in the Bank
- Satisfactory analytical and technical skills required
- Proactive and self-driven
