AVP - Credit Risk - Unsecured Lending

Job Purpose:

a) To give effective credit support for meeting the business targets.

b) To frame the lending policy framework, processes and workflow, assist in setting up the Unsecured Lending business in India.

c) To recommend credit applications as per DOA judiciously.

d) Ensuring that quality of Bank's exposure in India is acceptable at all time by managing the portfolio management function.

e) Provide guidance to the team of relationship managers on areas of policy and processes.

Roles & Respinsibilities:

1. Set up policy / processes for Unsecured Products pan India.

2. Portfolio monitoring / tracking & escalation of adverse new events in the portfolio.

3. Ensure meticulous compliance with Bank's internal credit policy as well as regulatory guidelines.

4. Ensure compliance with the benchmark Turnaround Time.

5. Ensure proper guidance / support to the team of relationship managers.

Qualification:

Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market

Experience :

12-15 years (10 years in Policy Formulation and Implementation)