Credit Policy :

- Coordinate with the respective business units to formulate credit risk related policies/ product programs/credit parameters and ensure that they are in line with parent bank policies as well as local regulatory requirements.

- Ensure that credit risk related policies/products programs/credit parameters are reviewed, updated and communicated to relevant business/support units on timely basis.

- Closely monitor and follow up with internal portfolio analysis, external news, business feedbacks, practices, regulatory requirements etc and incorporate necessary changes into policies, where applicable.

- Centrally administer credit delegation limit (CDL) to credit approvers as well as business unit heads which include co-ordinating for necessary approval, issuing of CDL letters and filing for proper records.

Credit Portfolio Analysis:

- Undertake detailed analysis on the bank’s credit portfolio and highlight issues/concerns/negative trends etc for timely resolution.
- Recommend appropriate strategies for managing credit portfolio and mitigating credit risk.
- Follow up on adverse market development and highlight potential credit related risk that may affect the bank’s portfolio.
- Collect credit MIS data and maintain database for necessary portfolio analysis.
- Undertake modeling and forecasting projects to facilitate portfolio analysis as appropriate.