Posted By
Posted in
Banking & Finance
Job Code
1354209
National credit head with a NBFC at Mumbai
Position- National credit head
Job Description:
- Managing the credit risk function relating to lending of working capital products including WCTL,WCDL and Supply chain funding to large/mid size corporates.
- Hands on experience of assessing large corporates, Proficiency in financial analysis to gauge credit worthiness including interpretations of key ratios and analysis of cash flow statement.
- Ensuring that credit facilities and loans are granted within the RBI regulations and Co's credit policies.
- Experience in developing /implementing credit assessment and rating models.
- Responsible for overall adequacy and effectiveness of the credit risk management techniques/process.
- Involved in designing and implementing credit policies and control mechanisms to review credit deviations and take corrective actions
- 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 Establishing goals and objectives for his/her direct reports in line with Risk function.
Requirements:
- Experience Required: 10-15+ years of related experience out of which a minimum of 7 years in similar position/ responsibility in a Bank or Financial Institution
- Education: MBA Finance/CA
- Strong analytical and quantitative background
- Devised plans & contributed in the development of Credit appraisal and management systems
- Digital Lending Experience is preferred - exposure to customer application journey /rule engines/scorecards
Key Competencies :
- Person with an eye for details and controls.
- Good Interpersonal skills, with strong written and oral communication.
- Possess an entrepreneurial mind-set with the ability to achieve results in a fast pace, rapid growth environment characterized by dynamism and ambiguity.
- Energy to work in a high growth and dynamic environment.
- Have a commitment to excellence and strong achievement orientation
- Strong Decision Making Skills
- Be a change agent
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Posted By
Posted in
Banking & Finance
Job Code
1354209
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