Assistant Manager
YES BANK
Chennai, Tamil Nadu, India
29d ago

JOB ROLE

  • Ownership of scorecard development, compliance and monitoringfor all products in RB, BB and ISB
  • Drive analytics driven decision making culture across the customerlifecycle viz. acquisition, portfolio management and collections
  • Provide analytics support for all YBL Retail banking, Businessbanking, Agri, inclusive banking portfolios as needed
  • Accountable for driving Basel II and Basel III and Risk appetiteinitiative as well as Loss forecasting
  • Credit Intelligence from market information
  • KEY RESPONSIBILITIES

  • End-to-end ownership of all Application and Behaviour scorecardactivities from initiation to termination
  • Work with RB, BB, ISB to initiate scorecard development processas needed. Ensure all scorecard implementations in scoring engines aresuccessfully executed
  • Managing all Basel II analytics and portfolio initiatives
  • Assessment of risk preparedness and risk-reward balance of theAsset portfolios as one of the main deliverables of Risk Appetite exercise
  • Coordinate Basel II initiative for compliance to capitaladequacy norms
  • Keep abreast of newly available alternate avenues of analyticsbased risk management tools highlight to management the benefits of the samethrough robust analyses
  • Provide advanced analytics support for specificproducts / projects as needed
  • Ensure accurate loss forecasting and timely submissions withinputs from Policy and Collections teams.
  • Managing Regulators and External Environment - Ensuring cordialrelations with Regulators / Judiciary and Law and Order officials
  • Support regulatory reporting on IRB portfolios includinghalf-yearly disclosures, ICAAP
  • Credit Intelligence from market information
  • Develop training plans
  • Develop talent within the Risk organization
  • KEY DIMENSIONS Customers :

  • Internal Customers other departments like Products, Sales,Collections, Operations and Service. Interaction with these departments forjoint initiatives and key business deliverables.
  • External Customers regulators / auditors for reporting / discussion / feedback, etc
  • Business Targets :

  • No direct business targets on asset growth, new business volumeor profitability.
  • Robust new business / portfolio monitoring framework based onscore analytics & MIS and timely intervention strategy.
  • Timely and accurate output / service to support good portfoliogrowth and optimized risk return decisions.
  • Rigorous monitoring and review of existing & new scorecards
  • Pro-active engagement with business for strategy development andwith Risk, Credit and Collections for strategy execution / feedback
  • Innovative, cost effective and automated solution / processthrough scorecard usage.
  • Adherence to Bank policy and process through success on audit / self assessment
  • Qualifications

    KNOWLEDGE / SKILLS / EXPERIENCE

  • Professional degree (preferably with statistical & modelingknowledge)
  • Good analytical skills and ability to think innovatively
  • Good communication / presentation skills
  • Good financial analysis knowledge required
  • Should be able to work with different and diverse teams well
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