Hindsighting Manager Job in Idfc First Bank

Role: Hindsighting Manager
Function/Department: Risk
Experience: 5-10 Years
Education:
Graduation: B.Com, B.Sc, BA, BBI, BMS
Post-Graduation: MBA, M.Com, MA

Job Purpose:
The Hindsighting Manager is responsible for conducting credit hindsight activities through sampling and detailed account reviews. This role ensures compliance with regulatory guidelines (RBI), internal credit policies, and underwriting standards. The role also involves identifying process gaps, publishing hindsight reports and dashboards for senior management, and recommending policy/process improvements to enhance operational efficiency and risk control.

Key Responsibilities:
Credit Hindsight & Compliance Review:
Conduct detailed account reviews to ensure credit approvals align with policies and processes.
Assess compliance with RBI regulations and internal credit risk policies.
Identify gaps in underwriting processes and highlight concerns to senior management.
Hindsight Reporting & Insights:
Publish periodic hindsight reports, dashboards, and performance scores.
Collaborate with Risk, Operations, and Policy teams to implement process improvements.
Capture and share best practices across teams to enhance decision-making.
Process Improvement & Stakeholder Collaboration:
Recommend enhancements to Retail Banking processes and policies to drive operational efficiencies.
Work closely with cross-functional teams to ensure seamless execution of policy changes.
Leverage internal synergies to strengthen risk controls and compliance frameworks.

Preferred Skills & Attributes:
Strong understanding of credit underwriting, risk assessment, and compliance frameworks.
Experience in financial analysis, process reviews, and regulatory reporting.
Proficiency in MIS reporting, dashboard creation, and data interpretation.
Ability to analyze trends, identify gaps, and drive corrective measures.
Strong collaboration skills to work across risk, policy, and operations teams.

Why Join Us?
Opportunity to play a key role in risk management through data-driven hindsight analysis.
Work in a high-impact role with exposure to senior management reporting.
Drive continuous process improvements in Retail Banking risk and compliance.

If you have a keen eye for detail, strong analytical skills, and experience in underwriting and risk management, we invite you to be part of our team!