Regional Credit Head - LAP/SME - CA - NBFC

Regional Credit Head

Regional Credit Head Maharashtra & MP LAP/SME

Company : Leading NBFC

Location : PUNE

Grade : VP/Sr VP

Products : LAP/Mortgages/SME

Education : CA with 9-15 yrs experience

Profile :

Overall in-charge of Risk Management & Credit underwriting activities of Maharashtra & MP regions currently being handled encompassing :

- In charge of Risk Management of SME, Mortgage, Construction Finance lending product .

- Ensuring the implementation, compliance & monitoring of credit process/policies/guidelines for all lending product in the region. This has leaded to structured mode of credit evaluation process among all products and satisfactory Audit Score.

- Portfolio Management including analyzing & corrective actions contributing to a healthy portfolio

- Creative role through new Initiative in the area of Business Development and Risk Management like Vendor alignment, Direct distribution model development, Standard Pitch Presentation for SME & Mortgage, Training Program to team, Society NOC FCU process, CC takeover process, Industry Coverage update, Various training initiatives etc.

- Managed a Team size consisting of Zonal credit managers, Area Credit Manager & Credit Managers

- To prospect the customers for Assets potential, understand the requirements to structure deals and supervise preparation of Credit Memorandum to obtain credit approvals and supervising pre-disbursement documentation team.

- Responsible for supervising / reviewing and structuring the large ticket loans based on the analysis of balance sheets and other financial statements of the borrowers security companies.

- Risk assessment and analysis of different kinds of financials products as a security to the loan.

- Responsible for due diligence of the borrower and ensuring credit proposals meet the policy norms.

- Responsible for implementing other regulatory guidelines relating to business processes, procedures and general guidelines for the Corporate Banking business.

- Responsible for regulatory compliance's, handling internal statutory regulatory audits.

- Ensures smooth conduct closure of internal Audits and regulatory Audits.

- Development of structured products in line with the requirement of the clients and to facilitate business growth.

- Responsible for post disbursement monitoring of the conduct of the accounts in order to maintain Portfolio quality.

- Reporting of Loans advances book as well as NPA.

- Responsible for improving process work flow mechanism for Credit Risk Management Department.

- Ensuring Internal controls and setting up best practices for the lending products of NBFC's or Banks.

- Ensuring formulation, review and implementation of credit policies. Responsible for performance development training of the Credit, Risk Management Reporting teams.

- Responsible for reviewing and reporting market analytic's report other MIS to the top management.

- Responsible for supporting business in client acquisition and enhancing client experience in terms of monitoring approval TAT.

- Liaisoning with big ticket customers for negotiation with terms conditions.

- Ensuring servicing of loans in co-ordination with the relationship team.

- Assist in preparation of annual plan to establish business risk coverage.

- Advise timely exits in potentially weak credit cases under extant circumstances.