HRM AND INFORMATION TECHNOLOGY
Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Advanced Bank Management — CAIIB.
One-liners from this chapter
Free sample — 8 of 66 rapid-fire Q&A cards.
What is the primary role of Human Resource Management (HRM) in a bank's credit department?
HRM in credit departments ensures recruitment, training, and retention of skilled credit officers who can assess risk accurately. It aligns human capital with the bank's credit strategy and regulatory requirements.
What is 'HR analytics' and how is it used in banking credit departments?
Data-driven HR decisions using metrics like staff productivity and attrition rates.
How does a Management Information System (MIS) support credit risk management in banks?
MIS aggregates and processes loan portfolio data to generate timely reports on NPA levels, credit concentration, and repayment trends. It enables senior management to make informed credit decisions and monitor portfolio health.
What is the purpose of an Application Processing System (APS) in bank lending?
Automates and standardizes the loan application intake and verification process.
What is the significance of a Credit Information Bureau (e.g., CIBIL) in credit appraisal?
Credit bureaus provide historical credit behavior data of borrowers, enabling banks to assess default risk before sanctioning loans. RBI mandates banks to submit and access credit data through licensed bureaus like CIBIL, Equifax, and Experian.
What is 'digital onboarding' in the context of bank credit customers?
Paperless online process for registering new borrowers using e-KYC and digital signatures.
What does the term 'Credit Scoring Model' refer to in bank lending?
A credit scoring model is a statistical tool that assigns a numerical score to a borrower based on financial and behavioral variables to predict probability of default. Banks use these models to standardize and speed up retail credit decisions.
What is 'workforce planning' in the context of a bank's credit function?
Forecasting future staffing needs aligned with credit portfolio growth and risk.
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