Head - Credit - Wheel Finance

Job Purpose: This position is responsible to develop, refine and implement a robust risk management framework, align it to the future needs and in line with the market best practices

Responsibilites:

- Building and leading a highly collaborative and proactive risk function that is able to navigate the increasingly complex business and regulatory environment that the firm operates

- Detailed and objective assessment of loan applications originating from across the country

- Define the credit evaluation manual - Standard operating manual for the loans

- Assess the profile based on performance against predefined criteria, as well as an independent analysis of borrower's credit profile

- Credit appraisals of the loan proposals with the help of financial analysis of the customers, information and data gathered in Personal Discussions, market business references etc

- Portfolio reviews covering areas of delinquency reports, perusing Early Warning System (EWS) reports. Focus should be on portfolio intervention and resolutions strategies with the business unit in order to improve asset quality on continuous basis

- Analysis of financial statements and performance review of the same and checking the rating of the individuals given by CIBIL & matching the same with alternate (non-traditional) database

- Assessing credit worthiness of applicant by use of performance history and future forecasts along with liquidity, debt/asset management and profitability ratios

- Assessing needs of clients and accordingly charting out viable finance portfolio after considering financial, legal and technical aspects

Qualifications: Post Graduate / MBA

Experience: 20+ years' experience in commercial & retail credit/ risk space with bank of repute / NBFCs