Credit Manager

14 hours ago

Gurugram, India YES BANK Full time

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES
Strategic/ Managerial Responsibilities

  • NA

Core Responsibilities

  • Appraises /recommends/ approves credit proposals as per the delegation of authority.
  • Reviews delinquent cases and document learning's / portfolio reviews for risk management.
  • Conducts process audits and reports delinquencies and anomalies.
  • Recommends changes to policy/process based on local nuances / competitor feedback.
  • Implements system integration plans.
  • Monitors NPA and keeps a track of it.
  • Ensures field customer visits for PD and deliveries within agreed TAT.
  • Managing all CPA's(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team.
  • Ensures maintenance of Healthy Portfolio for the bank.
  • Makes customer visits wherever required to ensure appropriate closure of the deal.

People Management Or Self-Management Responsibilities

  • Manages CPA Team.
  • Imparts Training and knowledge sharing

Risk And Internal Control Responsibilities

  • Identifies process and policy gaps and potential risk arising out of it.
  • Suggests internal control measures and ensure implementation to address such gaps.

SECTION IV: KEY INTERACTIONS
Key Internal Interactions
Purpose of Interaction
Business Team

For documentation requirement, understanding of customer profile and other discussions which helps in arriving at the decisioning of the deal

Policy Team

For understanding the policy, seeking clarifications, advising modifications, wherever required

Process Team

For correction of process gaps noticed during appraisal of the loans

Technology Team and HCM

For system related changes, correction of bugs, system errors etc. Manpower Planning.

Key External Interactions
Purpose of Interaction
Customer

To understand the profile of the customer, his income, obligations etc

SECTION V: KNOWLEDGE & EXPERIENCE
KNOWLEDGE
Minimum Qualifications

  • Bachelors in Commerce

Professional Certifications

  • Chartered Accountant / MBA Finance

Language Skills

  • Written and spoken English is essential

Experience
Years of Experience
Minimum of 3-5 years of work experience in relevant product of retail banking

Nature Of Experience
Credit Appraisal of Retail Loans

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