Job Title IRM-Credit Monitoring & EWS Manager-SME Business Unit Integrated Risk Management Reporting To Head - Credit Monitoring & Early Warnings Job Function and Role Type Wholesale & Retail Credit Monitoring & EWS, Individual Contributor Version No 1.0 Job Purpose Implement and enhance the Early Warning System (EWS) framework across various products. Ensure workflow efficiency, compliance, and data quality in credit monitoring processes. Key Responsibilities Credit Monitoring Process Identify and enhance credit processes and systems for improved monitoring and risk control; Assess adherence to credit processes and highlight deviations to management; Analyze root causes of credit delinquencies and recommend process improvements. Early Warning System Enhance early warning tools to detect potential credit risks and frauds; Create workflows for warning signals, ensuring timely closure of actionables; Highlight deviations in achieving early warning actionables to management. Portfolio Risk Review Conduct periodic or event-based portfolio reviews to identify risks and trends; Perform stress tests on portfolios with Credit and Policy teams to suggest corrective actions. Periodic reports on portfolio Publish management reports on portfolio quality, delinquency, and trends; Prepare monthly and quarterly reviews on wholesale portfolio performance and regulatory updates. Digitization Collaborate with IT and vendors to adopt technology for credit monitoring and reporting; Enhance automation to reduce manual effort and improve efficiency. Education: Chartered Accountant or MBA from a reputed institute. Certifications: None specified. Key Competencies Credit products and process knowledge, communication, systems and IT knowledge, analytical ability, regulatory framework. Major Stakeholders Wholesale Credit, Operations, Business Teams, Audit, Compliance, IT, Analytics Team, Fincon.