P6 - AVP Credit Risk Management

Headquartered in Tokyo, Sumitomo Mitsui Banking Corporation (SMBC) is a leading global financial institution and a core member of Sumitomo Mitsui Financial Group (SMBC Group). Built upon our rich Japanese heritage since 1876, we put our customers first and provide seamless access to, from and within the Asia Pacific region.   SMBC is one of the largest Japanese banks by assets and maintain strong credit ratings across our global integrated network.  We work closely as one SMBC Group to offer personal, corporate and investment banking services to meet the needs of our customers.

With sustainability embedded within our strategy and operations, we are committed to creating a society in which today’s generation can enjoy economic prosperity and well-being, and pass it on to future generations.

• Conducting Credit Evaluation meetings as per internal policies for new loan applications/renewals by doing thorough borrower level credit analysis and regulatory checks
• Credit Risk Policy management and updation - internal risk policies/ regulatory guidelines/ risk management systems and procedures etc, reporting of deviations.
• Preparation of Credit Risk reports that are submitted to Regulators through compliance and regulatory reporting teams, MIS reports for Risk Management Committee / Management Committee & Top Management.

• • Periodic internal and external reporting to H.O and RBI on various credit risk and portfolio analysis matter.
  • Detailing and analyzing exposures, providing comparisons and trends, prescribed and specific provisions, key issues and large exposure information

• Creation of robust credit risk analytics using both internal source systems and industry data
• Supporting the Risk management team in formulating and reviewing risk management policies, setting and reviewing credit risk parameters, formulating the ICAAP (Credit Risk) etc.
• Periodical review of Capital Adequacy and Risk Weighted Assets and submission to Risk Management Committee.

Ensuring the credit risk function complies with Internal Audit observations, RBI-RBS recommendations and Statutory Audit observations pertaining to Risk Management Functions

(a) Knowledge & b) Skills:

• Expertise in detailed credit analysis of borrowers and highlighting key risks
• Preparation of credit risk reports for internal monitoring and regulatory reporting
• Expertise in wholesale Credit Processes, Credit Risk Policy management, Exposure Norms and Basel II/III
• Sound written and verbal communication skills, with the ability to communicate clearly and concisely

(b) Skills

• Ability to work under stringent timelines and good communication skills.
• Proficiency in MS office and credit risk domain knowledge.

(c) Experience:

• Relevant experience including 6-8 years in Credit Risk Management or equivalent Credit experience

(d) Qualifications:

• MBA/CA/CFA/Relevant Post graduation