Risk Officer

a) Credit Risk Monitor the Banks overall credit risk exposure across various portfolios, products, sectors and borrower categories. Review and analyze the Banks credit portfolio quality, including NPA, SMA, overdue and stressed accounts. Monitor credit concentration risk by borrower, group, industry, geography and product. Monitor compliance with Board-approved credit risk policies, exposure limits and prudential norms. Analyze portfolio trends and identify emerging credit-risk areas. Review credit risk indicators and prepare periodic Credit Risk MIS for Risk Management Committee / Board-level committees. Monitor deviations from approved credit policies and delegated lending powers. Conduct independent review of credit proposals, where required, from a risk perspective. Assess the adequacy of credit risk mitigants, including collateral, guarantees and other security. Monitor large exposures and vulnerable/stressed sectors. Participate in stress testing and scenario analysis of the credit portfolio. Coordinate with Credit, Recovery, Finance, Audit and other relevant departments for risk identification and mitigation. Recommend appropriate corrective actions for identified credit-risk concerns. b) Operational Risk Establish and maintain an effective Operational Risk Management Framework. Identify and assess operational risks arising from people, processes, systems and external events. Maintain and periodically update the Banks Risk & Control Matrix (RACM). Identify and monitor Key Risk Indicators (KRIs) for critical business processes. Capture, analyze and monitor operational risk incidents and losses. Conduct Risk and Control Self-Assessment (RCSA) across departments / business units. Identify process gaps and recommend appropriate controls and mitigation measures. Monitor operational risk arising from: Branch operations Digital banking Payments and settlements Cash operations KYC/AML processes IT systems Outsourcing Fraud Business continuity Vendor management Analyze root causes of operational loss events and recommend preventive measures. Monitor compliance with internal controls and approved operating procedures. Coordinate with Internal Audit, Information Security, Compliance, IT and Business functions on operational risk matters. Monitor implementation of risk mitigation actions within stipulated timelines. .