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We are currently seeking an experienced professional to join the <WPB Risk> team.

Job Introduction

The VP Decision Analytics is responsible for ensuring that INM Risk Infrastructure is always fit for purpose. This includes all models, scorecards and frameworks used at different stages of the credit cycle. The incumbent will also be responsible for managing all audit requirements, around these models and frameworks including Regulatory audits. The incumbent will manage the annual AFI from a model risk perspective, provide appropriate assurance on all analytics and data related to credit bureaus.

Principal Responsibilities

· Manage all Regulatory requirements from a model management framework perspective.

· Manage RBI AFI from a Model Risk perspective.

· Monitor the performance of all scrore-cards, frameworks and model used WPB Risk - acquisition, portfolio, stress testing, IFRS-9.

· Manage annual Regulatory Stress testing exercise - EWST. Suggest overlays where needed.

· Support RRA in developing new scorecard, tiers and risk grades and monitoring performance of existing ones.

· Ensure that risks arising out of defects in models, frameworks etc are mitigated using appropriate process overlays if possible.

· Responsible for all bureau related analytics, partner with credit bureaus to test new scores and products.

· Partner with various stakeholders to ensure bureau information is embedded in policies and risk management frameworks.

· Ensure portfolio reviews (scrubs) are done at appropriate frequency and this information is fully utilised in decision making.

· Manage monthly impairment overlays and monitor the provisioning process to ensure that adeuqate loss cover is available at all times.

· Work with GAC and sherwood teams in monitoring and refresh of sherwood models for all products.

· Work with product risk teams to ensure that sherwood is embedded in risk decisions.