Managerial Responsibilities:
Head CMD Retail will manage team of Lead Credit monitoring manager & Credit monitoring manager.
Functional Responsibilities:
- Oversee the bank’s retail portfolio.
- Detect early warning signals by analyzing financial, behavioral and transactional data.
- Monitor borrower performance and industry trends to proactively identify potential credit stress.
- Track the entire credit lifecycle from application to disbursement across various credit and product parameters.
- Continuously assess portfolio performance, hygiene metrics and sectoral exposure limits.
- Prepare regular risk reports for senior leadership.
- Identify and highlight emerging risks, sectoral concentrations and credit exposure trends.
- Recommend corrective measures for stressed accounts.
- Design and update credit monitoring policies in line with RBI regulations and Basel norms.
- Ensure strong post-sanction monitoring systems are in place.
- Ensure full compliance with regulatory guidelines, including RBI’s credit risk management standards.
