Posted By
Posted in
Banking & Finance
Job Code
907440
- Managing the credit risk function relating to all types of lending.
- Ensuring that credit facilities and loans are granted within the RBI regulations and Co's credit policies.
- Responsible for overall adequacy and effectiveness of the credit risk management techniques/process.
- End to end review of the Credit & Operation process and provide insights on overall process for delivering strict turnaround time.
- Proficiency in financial analysis to gauge credit worthiness including interpretations of key ratios and analysis of cash flow statement.
- Involved in designing and implementing credit policies and control mechanisms to review credit deviations and take corrective actions and ensure timely reporting to
- Underwriting / Risk in the event of any deviations or non-compliance.
- Ensuring that Credit Risk Dept. adheres to policies and procedures as per the Credit Policy.
- Ensuring that credit facilities approved are permitted in compliance with the terms of sanction and with current credit policy.
- Coordinating with external and RBI auditors reviewing credit facilities.
- Establishing goals and objectives for his/her direct reports in line with Risk function.
- Evaluating staff performance.
- Promoting / coordinating effective cross-training.
- Proficiency in financial analysis to gauge credit worthiness including interpretations of key ratios and analysis of cash flow statement.
- Strategies to devise and target correct/optimal borrower segment.
- Adherence to all regulatory, statutory and corporate compliance standards and audit requirements.
- Ensure adherence with SLAs for high levels of customer service delivery.
- Ensure appropriate Quality Control processes are implemented for assessing performance quality as per benchmarks.
- Interacting with Analytics as well as Technology Departments and highlight corrective actions to ensure dataflow, data-integrations are implemented within control measures and in the most efficient and timely manner.
- Identifying best practices across industry which can be embedded into the system for building quality portfolio .
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Posted By
Posted in
Banking & Finance
Job Code
907440