Senior Expert, Retail & Small BB Credit Risk Management (40001478)

Key Accountabilities (2)

'2. Professional tasks:
- Design, build and systematize the retail & small BB credit risk policies reasonably to meet business needs, long-term plans and new market trends, as well as in line with risk management framework;
- Develop and customize base solutions: risk management methods/ models/ rule base/ advanced practices;
- Own the process of defining, testing and production release, of Champion challenger , test cell , and Model strategies within the respective decision support systems
- Line Of Business risk management: Credit Line Management
- Risk transfer strategy (ABS, MBS & Insurance)
- Implementation of retail & small BB risk management:
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
+ Risk Appetite Strategy and monitoring
+ Creator & Owner of Underwriting standards
+ Policy Conformance review
+ New Business campaign policy , Cross sell / Upsell and down sell campaign policy
+ Test cells and Champion Challenger strategies
+ Exception Policy and Underwriting
+ Down turn strategy and Management
- Receive/contribute comments to develop/adjust general policies of units related to retail & small BB credit.
- Develop an early-warning system: Early Loss mitigation opportunities
- Manage credit portfolio
+ Identification of quality growth opportunities and ensure sustained growth in Assets and topline
+ Tail Risk Management
+ Portfolio mix and shaping
+ Portfolio monitoring , loss forecasting and early warning and early loss mitigation models
+ Provide Strategy performance reports to determine efficacy of strategies defined within decision support systems.
+ Bureau reporting and Bureau Services
+ Own the process of defining, testing and production release, of Champion challenger, test cell, and Model strategies within the respective decision support systems
- Contribute Retail banking & Small business banking Risk transformation:
+ Support Strategic and BAU initiatives with respect to Retail banking & Small business banking Risk 
+ Participate to build and Manage Decision support systems 
+ Participate to develop data eco system both internal and external data for risk life cycle decision support