Assistant Vice President - Portfolio Monitoring & Recovery - Retail Lending - NBFC

Company Overview:

Our Client is a leading NBFC. We are looking for a Retail Lending professional as per following Specifications for Delhi location

Key Roles and Responsibilities:

1. Retail Lending & Credit Appraisals:

- Conduct thorough credit appraisals of retail lending proposals, ensuring they meet the company's risk criteria.

- Analyze the financial, market, and technical aspects of projects to determine their feasibility and creditworthiness.

- Collaborate with the credit team to structure and finalize deals.

2. Credit Risk Analysis & Deal Closure:

- Perform detailed credit risk analysis to identify and mitigate potential risks associated with lending.

- Work closely with clients to negotiate and close deals, ensuring favorable terms and conditions.

- Implement robust risk management practices to safeguard the loan portfolio.

3. Loan Documentation & Disbursement:

- Oversee the preparation and execution of loan documentation, ensuring all legal and regulatory requirements are met.

- Coordinate the loan disbursement process, ensuring timely and accurate disbursements in line with the agreed terms.

4. Project Monitoring & Follow-Up:

- Regularly monitor retail lending projects to ensure compliance with the agreed terms and conditions.

- Conduct site visits, meetings with borrowers, and reviews to assess the progress of funded projects.

- Identify early warning signals and take proactive measures to address potential issues.

5. Recovery & NPA Management:

- Manage the recovery process for overdue accounts to minimize non-performing assets (NPAs).

- Develop and implement strategies for loan recovery, including restructuring of loans where necessary.

- Engage with borrowers to negotiate recovery plans and ensure timely repayment.

6. Stakeholder Engagement:

- Maintain strong relationships with clients, government bodies, and industry stakeholders.

- Represent Company in meetings and events, promoting the institution's retail lending initiatives and strengthening its market presence.

Qualifications and Experience:

Educational Background: Postgraduate degree in Finance, MBA, CA, or a related field.

Experience: Minimum 10-15 years of experience in retail lending, credit risk analysis, and project monitoring, with a strong track record in recovery and NPA management.

Skills:

- Strong analytical and problem-solving skills, particularly in credit risk and financial analysis.

- Excellent negotiation, communication, and interpersonal skills.

- Ability to manage multiple projects simultaneously and work effectively under pressure.

Location: Delhi, India

Age Criteria: Preferably below 40 years