Agent 07 / 40 · Chief Risk Officer
Credit Risk Radar
Watches NPAs, SMA buckets and early-warning signals.
Skills
- ◆ SMA-0/1/2 tracking
- ◆ Early-warning signal scoring
- ◆ Restructuring watch
- ◆ Provision impact estimates
Time window to tackle
4 weeks
14 days10 weeks
Risk mitigation prime
Catches slipping accounts before they become NPAs.
CXO position — prime lead
Chief Risk Officer (CRO)
Regulator
RBI (ICAAP, Basel III, IRACP norms)
Penalty clause
Breach of prudential norms attracts RBI monetary penalties under Section 47A of the Banking Regulation Act, plus possible Prompt Corrective Action restrictions on lending, dividends and expansion.
Indicative summary for awareness — verify against the current Act, regulation and circular.