Regional Credit Head - Mortgages & LAP - NBFC

The company is India's Leading Non Banking Finance Company (NBFC) operating in Wholesale & SME Lending.

As part of the business activities,the company is predominantly focused into Asset Financing and Lending business. The Wholesale Lending Business segment provides specialized and holistic solutions to Indian corporates helping them build and grow their businesses with initial funding, mezzanine financing, acquisition financing etc. They focus on products in the structured credit space backed by adequate collaterals and cash flows to build a secured and quality wholesale lending portfolio.

Job Title: Regional Risk Manager

Team handling: Yes

Purpose of Job: Deliver High Credit assessment of Secured Business & MSME Loans for the branch maintaining high standard processing efficiency & Data Quality.

Responsibility (in details):

Credit Risk Management:

- Prepare and review credit applications made and provide assessment. Conduct financial statement and business analysis for loan eligibility.

- Preparation of applications in conjunction with the ZCM for loan sanctions where loan amount is higher than CM / ZCM sanction authority

- Manage Productivity, file processing cost within the budgeted levels Ensure processing of files within agreed Timelines.

Business Risk Partnership:

- Work in partnership with Sales teams on new and existing credit applications, providing guidance on credit appetite and other pertinent information prior to applications being made

- Proactively contribute to embedding agreed change management initiatives within sales teams in support of process improvement and policy development

- Support and contribute to specific projects as determined

- Act as a constant source of feedback to product and policy teams to aid in innovating the current product offering and launching new products

Wider Risk Management:

- Support the ZCM in identifying training and development needs of Vendors and initiation support staff in relation to policy & process.

- Participate actively in general good credit governance initiatives and uphold highest standards of risk management.

- Proactively contribute to embedding change management initiatives in support of process improvement and policy development regarding clients

People Management & Performance Management:

- Identification, hiring, training and retention of the desired Credit staff at area & branch levels

- Implement the performance management system and culture as per the objective of the organization

- Implementing the monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured, reported, analyzed and improved

Governance & Compliance:

- Implement processes as per policy.

- Educate and train the team members on the policy requirement

- Ensure and check that policies and standards are being implemented at the ground level

- Ensure that the recommended process of appointment, management and review of Vendors is being followed.

- Implementing the Fraud Control systems

- Ensure that branch / area is always Audit Compliant with internal and external policies and regulations

Customer Service:

- Create a customer centric culture

- Implement, measure, monitor and control parameters that improve customer experience

Desired Candidate Profile:

- Should have Exposure of Property backed & Asset based lending products

- Should have knowledge about local industrial trend /Machineries

- Basic knowledge of Legal aspect of the recovery unit

- Should have corporate sales exposure

Qualification: Preferably Chartered Accountant / MBA Finance, if adequate relevant experience is present.