Program on Risk Management
A good grasp of the risk management concepts and familiarity with risk management processes are essential items in the tool-kit of Managers. These managers will need not only complete understanding of practices used to identify, measure, manage & control the credit and operational risks while they transact or supervise business activities at branches, but also sufficient familiarity with the impact of market, reputation, strategic risks on the bank's functioning. The course is developed to provide an overview of risk management concepts and processes.
Duration : 3 days
Target Group: Branch Managers, particularly those heading the branches rated “high risk”, as well as Managers in Controlling Offices heading departments/cells dealing with credit monitoring, credit risk management, inspection & audit, mid officer of treasury, assect-liability management etc.
Objectives: At the end of the program, the participants would have gained:
- An overview of credit, market and operational risks associated with bank's businesses.
- Understanding of tools and processes used in the measurement, mitigation and management of default
- Risk, portfolio concentration risk, country risk and counterparty risk in non-credit transactions.
- Knowledge of operational risk elements and the tools used for controlling operational risks.
- Understanding of Basel norms, capital adequacy framework and capital allocation.
- Sensitization to capital conservation and capital augmentation needs of the bank.
Overview of risk, credit, market and operational risks
Default risk and portfolio concentration risk
Country risk and counterparty risk in non-credit transactions
Internal credit risk rating models, obligor and facility rating
External credit risk ratings, SME ratings
Use of credit risk ratings, capital allocation for credit risk
Organizational arrangement for market risk management
Allocation of capital for market risk
Elements of operational risk in bank’s business
Risk based audit of branches
IS Audit and other types of audits and inspections
Preventive vigilance and Branch Manager’s role
Management of fraud risk, loan frauds
Capital allocation for operational risk
Capital adequacy framework, journey from Basel-I to Basel-III
Three pillars: Minimum capital requirements, supervisory review and market discipline
Strategies for capital conservation and augmentation
A specialized and custom bank program to groom change leaders and transform organizations.
For officers in Scale-I/II who have been posted recently or identified for posting as Branch Managers for the first time in their career.
For Branch Managers who have been on assignment for 12-18 months, showing good performance and potential for taking up higher responsibilities.
For Officers identified for handling credit function across the bank/offices.
For Officers identified for leadership positions in the Middle Management.
For newly posted officers in Scale-I/II handling foreign exchange and foreign trade transactions at “B” Category branches or who have been identified for such assignments. No previous experience in handling forex and foreign trade transactions is assumed.
For Relationship Managers assigned to MSME clients, who are newly-recruited or who have been working in the role for less than a year.
For Officers or assistants joining the Bank at the entry level.