3 days ago
Senior Team Member Portfolio Analytics Unit
YES BANK
On Site
Full Time
₹0
Mumbai Metropolitan Region
Job Overview
Job TitleSenior Team Member Portfolio Analytics Unit
Job TypeFull Time
CategoryCommerce
Experience5 Years
DegreeMaster
Offered Salary₹0
LocationMumbai Metropolitan Region
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Job Description
Overview
As a Senior Team Member in the Portfolio Analytics Unit at YES BANK, you will play a critical role in managing and analyzing the bank's credit risk portfolio. This position involves comprehensive reporting, insightful performance analysis, and ensuring regulatory compliance, contributing directly to maintaining the bank's asset quality and informing strategic decisions by senior management.
Portfolio Analytics Responsibilities
- Preparation of Credit Risk Dashboard for the Bank’s Portfolio, reviewed by Senior Management, Risk Management Committee (RMC), and the Bank’s Board members.
- Provide insights on overall portfolio performance, segment-wise performance on various risk metrics, and utilization status against Credit Policy and Risk Appetite limits.
- Timely action on actionable arising from management review, RMC, and Board meetings.
- Publish Health Council review decks within stipulated timelines for segment-wise credit portfolio reviews.
- Enable timely corrective action for maintaining desired asset quality of the portfolio.
Regulatory & Internal Compliance
- Ensuring timely submission of regulatory reporting (monthly IFSCA & quarterly RBS submissions) after a thorough maker-checker process.
- Provide timely datasets to internal stakeholders for their regulatory and internal reporting.
- Timely submission to RBI during annual inspection and prompt response to RBI queries.
- Ensure data inputs requested by the Internal Audit Team are provided promptly, and observations are responded to within specified TAT.
Data Monitoring & Analysis
- Monitoring of exposures to sensitive sectors, stressed book, rating mix, and rating upgrades/downgrades.
- Track segment-wise portfolio performance, exposure concentration (Top Groups/Borrowers/Sectors), product & geography concentration, delinquency (SMA and NPA), and business hygiene parameters.
- Monitor various Policy and Risk Appetite limits regarding Sectoral caps, Rating caps, Slippage Triggers, Unsecured exposure cap, limits tracked against capital funds, and other portfolio limits.
- Monitor the Bank’s IFSC book exposure, including limit monitoring, asset quality, and exposure concentration.
- Monitor Country Risk Exposure, Infrastructure sectors, Projects Under Implementation, PEP exposures, Takeover facilities, etc.
Process Improvement & Support
- Drive automation of data and reports to enhance efficiency and accuracy.
- Suggest and implement process improvements in data recording and reporting processes to mitigate various risks.
- Handle data-related queries, ad-hoc requests, and data issues from Internal Units, providing timely resolutions.
Qualification and Experience Required
- MBA / PGDBM Finance along with relevant reporting and analytics experience in a Risk Management function of Banks.
- Minimum of 4 years’ experience working with senior management.
- 5-7 years of team handling experience.
- Handled 4-5 large data automation projects / reporting automations.
- Hands-on experience with data management / data visualization tools.
Key skills/competency
- Credit Risk Management
- Portfolio Analytics
- Regulatory Reporting
- Data Automation
- Risk Monitoring
- Financial Analysis
- Stakeholder Communication
- Process Improvement
- Data Visualization
- Compliance
How to Get Hired at YES BANK
- Research YES BANK's culture: Study their mission, values, recent news, and employee testimonials on LinkedIn and Glassdoor.
- Tailor your resume: Highlight extensive experience in banking risk management, portfolio analytics, and regulatory reporting at YES BANK.
- Showcase quantitative skills: Emphasize your proficiency in data management, visualization tools, and experience with large data automation projects.
- Prepare for behavioral questions: Focus on demonstrating leadership, problem-solving, stakeholder communication, and commitment to accuracy and compliance within financial services.
- Understand banking regulations: Familiarize yourself with RBI, IFSCA, and other relevant banking compliance frameworks pertinent to portfolio risk management.
Frequently Asked Questions
Find answers to common questions about this job opportunity
01What is the primary focus of the Senior Team Member Portfolio Analytics Unit role at YES BANK?
02What specific regulatory reporting is handled by this role at YES BANK?
03What kind of data analysis is expected for the portfolio in this YES BANK position?
04What specific experience is required for this Senior Team Member role at YES BANK?
05How important is data automation in the Senior Team Member Portfolio Analytics Unit position at YES BANK?
06How does this YES BANK role contribute to maintaining asset quality?
07What are the key monitoring areas for portfolio limits in this role at YES BANK?
08What data visualization tools are preferred for the Senior Team Member Portfolio Analytics Unit role at YES BANK?
09How does the Senior Team Member interact with senior management and the Board at YES BANK?
10What is the expected experience regarding team handling for the Senior Team Member Portfolio Analytics Unit at YES BANK?
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