Specialist, Credit Risk Management-(WD43380)
Job Purpose :
Manage Relationships of NPL clients with a view to exit at minimal loss.
Co ordinate audits / inspections by statutory auditors, internal auditors and RBI for NPL accounts.
Regulatory and internal reporting.
Key Accountabilities : -
Coordinating & communicating with clients as well as all internal communication. Undertaking regular monitoring of borrower accounts and maintaining an update on the developments in the respective borrower accounts.
Initiating legal action under recovery laws. Liaison with the law firms representing DBS in various courts / Tribunals.
Resolution of NPL cases. Appraising resolution proposals & scrutinizing relevant documents before proposing / seeking approval from competent authority, ensuring compliance with organizational guidelines .
Coordinate with various departments and Head Office for SAM MIS, for internal as well as external reporting. Resolving queries of the internal, concurrent as well as RBI auditors.
Job Duties & responsibilities : -
Adhere to the internal and regulatory risk management guidelines. Take control of all reporting requirements internal as well external.
Develop Recovery Plan for accounts in the portfolio. Heighten portfolio monitoring to preserve the quality of our assets on a continuous basis.
Ensure reviews are completed prior to due date and are error free.
Interact and follow up with clients on required information and clarifications.
Education / Preferred Qualifications : -
Professional qualification or post graduate degree, preferably in business, accountancy, , finance etc.
Core Competencies : -
Good analysis & evaluation skills
Good interpersonal & communications skills
Good problem solving, planning & organizing skills.
Good knowledge of industries / sectors.
Good presentation skills
Technical Competencies : -
Sound knowledge of legal process apaplciable for resolution of NPL cases.
Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), Monetary Authority of Singapore and local laws and regulations that impact businesses in general.
Basic knowledge of legal environment in India
Work Relationship : -
Interaction and good working relationship with IBG Relationship team, CCU and other product teams (GTS, T&M etc), and other Vendors.