The Bank Force - Regional Credit Manager - CA

Job Title: Regional Credit Manager Mumbai.

Location: Mumbai.

Reports To: Zonal Credit Manager/ National credit manager.

Age Limit: Maximum 35 years.

Qualifications:.

- Chartered Accountant.

- At least 7 years of experience in SME LAP.

- Minimum 3 years of experience in a supervisory role.

- Proven experience in managing a team.

Key Responsibilities:.

Credit Policy and Underwriting:.

- Apply and suggest improvements in credit and underwriting policies and processes.

- Develop and deploy underwriting models to enhance efficiency and effectiveness.

- Ensure the infrastructure supports these models effectively.

Portfolio Management:.

- Conduct comprehensive portfolio studies of the outstanding advances portfolio.

- Lead credit tightening initiatives to control delinquencies while maintaining business profitability.

- Balance risk and reward across various products within the zone.

Credit Risk Strategy:.

- Maintain and update credit risk strategy and policy through continuous analysis of business and collection trends.

- Conduct risk assessments and implement mitigation strategies.

- Ensure the credit policy is in alignment with the overall business goals.

Policy Review and Competitor Analysis:.

- Regularly review and update credit policies in line with business objectives.

- Stay informed on competitor policies and practices to maintain a competitive edge.

Reporting:.

- Prepare comprehensive Risk & Credit Decks on a monthly basis for the zone.

- Provide insightful analysis and recommendations based on these reports.

Relationship Management:.

- Develop and maintain strong relationships both internally and externally.

- Foster a collaborative environment to ensure smooth credit operations.

Team Guidance and Development:.

- Ensure a thorough understanding of credit policies across all relevant levels within the team.

-Provide guidance and support to the team to enhance their performance and understanding.

Market Knowledge:.

- Maintain up-to-date knowledge of the market and product segmentation.

- Use this knowledge to inform credit strategies and decisions.

Key Skills and Attributes:.

- Strong analytical and decision-making skills.

- Excellent leadership and team management capabilities.

- In-depth understanding of credit risk management and mitigation.

- Proficient in developing and implementing credit policies.

- Ability to conduct detailed portfolio analysis.

- Strong communication and interpersonal skills.

- Up-to-date with market trends and competitive practices.