Vice President - Commercial/Risk & Credit - BFS

- Managing the entire gamut of Financial, Commercial, Accounting, Auditing, (both statutory and internal audit), Taxation and Credit Operations of the Company.

- Business Planning, Budgeting, MIS, Costing, Forecasting.

- Monthly variance analysis along with Financial MIS required for effective monitoring of Business and Operations of the Company.

- Credit Operations - Improve, analyze, implement effective systems for having Business Portfolio with low delinquencies/NPA.

- Financial Reporting, submission of data and liaison with Company's lenders.

- Develop franchisee/Business correspondent opportunities of Company with Banks/Lending institutions for onward lending.

- Risk Management - identifying, assessing and controlling threats to an organization's capital and earnings from a variety of sources, including financial uncertainty, legal liabilities, strategic, fraud, etc.

- Preparing Annual budgets for operations along with periodical forecasts, exercising budgetary controls and managing the working capital.

- Supervising the preparation of Annual accounts along with analysis of monthly P&L.

- Dealing with Statutory auditor and Company Secretary.

- Effective Treasury management and CMS Operations.

- Ensuring all Regulatory Compliances.

- Handling recovery of Legal Portfolio along with initiating steps for recovery wherever required.

- Have an effective Policy for regular monitoring of STR, CTR and AML along with checks for fraud control.

- Improvise and enhance existing I.T. systems for complete automation towards Business and Operations.