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Particulars
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Deliverables
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Bank Level PSL tracking and achievement
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- Ensure bank achieves its regulatory target by continuously monitoring of the achievement and delivery of all the BUs on an on-going basis.
- In case of any probable shortfall – highlight the same to PSL committee in timely manner with best possible alternatives.
- Tracking E-kuber market on an on-going basis to take suitable buy/sell decision basis PSL committee decision.
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Audit
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- Coordinate with auditors (RBI Audit, Statutory, Concurrent and Group Audit) and timely resolution of their queries & also ensuring that there are minimum repeat audit comments
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Policy & Processes Development/
improvement
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- Review/Amendment of SOPs for all PSL products with concurrence of all stakeholders as per the latest guidelines issued by RBI
- Providing inputs to BU’s & other stakeholders for improvement/ modifications to existing products/ process for PSL qualification and classification to meet regulatory guidelines.
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PSL Classification & Governance
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- Approving the PSL tagging on time
- Ensure correct classifications and tagging as per regulatory guidelines.
- Dissemination of change in regulatory guidelines and act where necessary.
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Portfolio Management and Budgeting
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- Computation and monitoring of Bank’s PSL achievement v/s RBI target and highlight excess/shortfall.
- Annual budgeting exercise – assessing Bank’s PSL requirement, mapping it to BUs annual targets. Finalizing PSL department’s budget and making presentation
- Managing monthly MUREX, SIDBI/NABARD refinance, IBPC entries of PTC portfolio.
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