Credit Manager- Commercial Vehicle

3 days ago

New Delhi, India YES BANK Full time

CHIEF RESPONSIBILITIESEnsure quality Appraisal of credit for worthy borrowers. Ensure timely credit and transaction approvals for delegation under self. Follow up with seniors for credit / transaction approvals. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Respond on the Hind sight and Internal audit observations Conduct monthly Regional Council Meetings with all the stakeholders.SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES Strategic/ Managerial ResponsibilitiesDiscussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit Officer Assessment of Credit Proposal / Case for his respective location / region Presentation of key observations to Senior Management on periodic basis Managing a team & drive the results/ goals set for self & Team.Core Responsibilities Assessment of Credit proposal , Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal Preparing CAM / Report which highlights the quality of information , which helps the decisioning of cases are senior level Monitoring of delinquency, exceptions , portfolio movement. Maintaining data as required by the Senior ManagementPeople Management or Self-Management Responsibilities Active participation in process re-engineering related to product / process Collaborate with business , OSD & Policy team for any change in the process/policy. Self-driven, goal oriented & dynamic in nature.Risk and Internal Control Responsibilities Identify the gaps in the process & highlights to the Senior Management Suggestion for changes in PolicySECTION IV: KEY INTERACTIONS Key Internal Interactions Purpose of InteractionBusiness Team To interact with SM / ASM /RSM on day to day basis while cases assessment, monitoring delinquency Policy Team For clarification / guidelines as and when requiredSECTION V: KNOWLEDGE & EXPERIENCE KNOWLEDGE Minimum Qualifications A CA/ MBA from a reputed instituteLanguage Skills Written and spoken English is essentialYears of Experience Minimum of 2 to 5 years of work experience in credit evaluation in a Bank (Not NBFC)Nature of Experience Credit Evaluation in any Bank & credit underwriting preferrable CV productto changes, encouraging discussion, responding with empathy to their anxietyTechnical Competencies Financial Analysis and Market knowledge of industry segment

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