Urgent help required in choosing NOC. I have outlined my responsibilities. Please suggest an appropriate NOC for each job.
Title: Specialist, Credit Portfolio Management (NOC according to me: 1112/4162/0122)
Responsibilities
1. Manage policy / processes for Unsecured Products (Personal Loans, Credit Cards, Eco-System Partnerships management for the consumer retail portfolio pan India.
2. Assist in the preparation & implementation of product programs
3. Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
4. Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance
5. Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team
6. Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
7. Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions
8. Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps
9. Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up
10. Prepare Management dashboards & MIS for region to ensure appropriate indepth tracking of portfolio for the agency at product and bucket levels
11. To maintain the bucket balances and reduce NPA on the bank's book
12. Automation and Enhancement of existing MIS reports
13. Apply analytics and data mining techniques using credit data and alternative data sources to monitor and analyse portfolio performance as well as dimension risk vs. reward balance on a regular basis
Title: Specialist, Credit Portfolio Management (NOC according to me: 1112/4162/0122)
Responsibilities
1. Manage policy / processes for Unsecured Products (Personal Loans, Credit Cards, Eco-System Partnerships management for the consumer retail portfolio pan India.
2. Assist in the preparation & implementation of product programs
3. Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
4. Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance
5. Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team
6. Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
7. Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions
8. Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps
9. Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up
10. Prepare Management dashboards & MIS for region to ensure appropriate indepth tracking of portfolio for the agency at product and bucket levels
11. To maintain the bucket balances and reduce NPA on the bank's book
12. Automation and Enhancement of existing MIS reports
13. Apply analytics and data mining techniques using credit data and alternative data sources to monitor and analyse portfolio performance as well as dimension risk vs. reward balance on a regular basis