Team Member Risk Ratings and Compliance

<ul><li>Internal rating validation for corporate, SME, business banking, NBFC, MFI, broker, bank clients across the bank. Key activities include </li><li>Detailed review and understanding of credit (industry, business, financials, management), credit ratings </li><li>Preparation of rating rationale along with rationale for any changes in risk scores </li><li>Review deviations to the credit policy of the Bank </li><li>Recommendations/comments on all proposals placed to Board level credit committee with respect to policy compliance/ portfolio risk/ industry prospects etc </li><li>Approve judgemental rating action proposed as per delegation matrix </li><li>Decision making along with the stakeholders (Credit/ Business) </li><li>Effective interaction with business/credit groups across Large Corporates/ Emerging Local Corporates/ NBFC/ Brokers/ MFI/ Projects/ Small, Micro Enterprises/ Business Banking </li><li>Effective resolution of internal audit/ external audit/ RBI queries </li><li>Review and recommend on classification of Borrowers under Financial Difficulty </li><li>Periodic review and updation of industry risk scores including addition of new industries as deemed appropriate. </li><li>Track latest industry developments by participation in seminars, conferences and client site visits, interactions with clients, rating agencies, industry database providers, </li><li>Benchmarking of companies within sectors </li><li>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. </li><li>Nurture talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals. </li><li>Develop and nurture a continuous talent pipeline for key roles in the division and provides mentoring for high potential talent in the organization </li><li>Ensure adherence to process and ability to work within pre-decided TAT</li></ul>