An'yst, Credit Initiation

1 month ago

Ahmedabad, India Standard Chartered Full time

**Job***: Operations

**Primary Location***: Asia-India-Ahmedabad

**Schedule***: Full-time

**Employee Status***: Permanent

**Posting Date***: 11/Jun/2023, 10:46:03 PM

**Unposting Date***: Ongoing

**The Role Responsibilities**

**Job Role**
- Good in analytical Skills and well Versed with Legal and Technical knowledge of the residential, Commercial and Industrial Properties.
- Adherence to policy and product guidelines.
- Able to provide decision in accepted TAT of the Bank.

**Strategy**
- Provide inputs in shaping the Retail Risk Operations strategic direction.
- Work with in-country stakeholders to deliver against the Retail Risk Operations strategic initiative.

**Business**
- Optimise operating efficiency while balancing the effectiveness of file processing within the Retail Risk Operations function.
- Ensure the cost budget in Credit Initiation is based on robust capacity plans and is delivered through a rigorous cost management discipline.

**Processes**
- Ensure that credit files are processed while adhering to the process standards defined by CCO, Retail Clients.
- Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives.
- Leverage and build credit assessment infrastructure capability to optimize process efficiency.
- Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
- Implement the Operational Risk Framework in Retail Risk Operations and monitor the operational risk metrics to identify potential control weaknesses.
- Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.

**People and Talent**
- Lead through example and build the appropriate culture and values.
- Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
- Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
- Employ, engage and retain high quality people, with succession planning for critical roles.
- Responsibility to review team structure / capacity plans.
- Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.

**Risk Management**
- Identify and share industry best practices and work with the businesses for their feasibility and implementation.
- Ensure all Credit Initiation policies and procedures comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures.

**Governance**
- Ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.
- Embed the Group’s values and code of conduct in Credit Initiation to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture.
- Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory reviews.

**Regulatory and Business Conduct**
- Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
- Lead to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment].
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
- Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association.

**Key Stakeholders**

**Internal stakeholders**
- Country Retail Risk Head
- RRO Team, Policy Team
- Country Business Heads and Product Head, Retail Client segment
- In-country governance forums (as may be applicable)
- Country Fraud and Collections Heads
- Internal IT partners supporting Retail Clients business
- HR and L&TD team
- Operations, L&C and Customer Experience Management Unit

**External Stakeholders**
- Auditors and Regulators
- Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks
- Suppliers, vendors and consultants
- MBA / CA qualified with 2 years of Underwriting experience

**Role Specific Technical Competencies**
- Credit Underwriting skills for HL / LAP / BIL and

  • Associate Credit Operations Manager

    3 weeks ago

    ahmedabad, India IDFC FIRST Bank Full time

    Role/ Job Title:  Associate Credit Operations Manager Function/ Department:  Retail Assets Job Purpose: The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement for Mortgage products. The role bearer is involved in development and implementation of credit policy initiatives and...

  • Associate Credit Operations Manager

    1 month ago

    Ahmedabad, India IDFC FIRST Bank Full time

    Role/ Job Title:  Associate Credit Operations Manager Function/ Department:  Retail Assets Job Purpose: The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement for Mortgage products. The role bearer is involved in development and implementation of credit policy initiatives and...

  • Collections & Credit Control Executive (Contractual)

    1 month ago

    Ahmedabad, India BVC Logistics Pvt. Ltd. Full time

    **Credit Control Management** - Achievement of DSO and monthly collection targets assigned - Monthly field visits to be done on the delinquent customers - Follow up with the customers till the payment is received - Ensure that all details of the calls & updates on collections are kept in record - Effectively track the overdue and collections for customers...

  • Area Credit Manager

    1 month ago

    ahmedabad, India Skill Ventory Full time

    Roles and Responsibilities Key Responsibilities: - Credit Appraisal Underwriting of Unsecured Business Loan files as analysing applicant's financial status and credit evaluations to determine feasibility of granting loans with preparing of Credit Approval Memo (CAM). Meeting with applicants (Personal Discussion) to obtain information...

  • Technical Lead

    1 week ago

    Ahmedabad, Gujarat, India ONLINE PSB LOANS LIMITED Full time

    About the company :OPL, is a revolutionary- digital credit infrastructure company- that develops and integrates cutting-edge technology to automate and digitize lending for both borrowers and lenders. The company addresses the challenges of credit distribution to MSMEs and retail borrowers. With a view to expanding its digital footprint and utilizing its...

  • Trainee - Talent Acquisition

    1 day ago

    Ahmedabad, India Techify Solutions Full time

    JobSummary: In yourrole as a Talent Acquisition Trainee at Techify Solutions you willbe integral to managing the recruitment process. This an excellentopportunity to gain exposure across multiple facets of recruitmentsuch as candidate sourcing initial screenings interviewcoordination and involvement in recruitment events andinitiatives.KeyResponsibilities:...

  • Probus - IT Head/Chief Technology Officer - IT Infrastructure

    1 month ago

    Ahmedabad/Mumbai, Maharashtra, India PROBUS INSURANCE BROKER PRIVATE LIMITED Full time

    About Probus : Probus stands out as a premier InsurTech platform in India, renowned as a leading Insurance Broker catering primarily to retail clients. With a widespread presence across India and a robust portfolio encompassing both Life and Non-Life Insurance, Probus collaborates with 37 top-notch insurer partners to offer optimal plans for various needs...

  • Human Resources Generalist HR Generalist

    1 day ago

    Ahmedabad, India Elsner Technologies pvt ltd Full time

    Responsibilities:• Conduct screening and line up candidates for variouspositions ensuring alignment with organizationalrequirements. • Obtain offer approvals fromdepartmental heads ensuring offers meet companystandards. • Manage onboarding and inductionprocesses ensuring new hires integrate smoothly into theorganization. • Address and resolve...

  • CBG:State Head

    1 month ago

    Ahmedabad, India Axis Bank Full time

    The State Head is responsible for driving growth in the MEG business in designated geographical area by working with his team of RMs. The State Head – MEG ensures overall growth is achieved across key parameters without compromising on the quality of the portfolio. Key Responsibilities: Growing the MEG business for the geographical area across key...

  • Sr. SEO

    2 weeks ago

    Ahmedabad, India LETS ENKINDLE SOFTSERV PRIVATE LIMITED Full time

    We are on the lookout for a seasoned and results-oriented Senior SEO and Digital Marketing Specialist to join our dynamic team. The ideal candidate should possess a minimum of 3.5 years of hands-on experience in the realms of SEO and Digital Marketing, showcasing expertise across various domains including search engine optimization, social media...

  • Sr. Engineer – Project Purchase

    1 week ago

    ahmedabad, India Transformers & Rectifiers (India) Ltd Full time

    Candidate shall have 5-7 years of minimum experience in project purchase in manufacturing sector. The position will be based out of Moraiya - Ahmedabad.Responsibilities :-·      To study and understand special purchase which is related to projects·      To planning purchases as per requirement and select vendors in such a way that materials...

  • Sr. Engineer – Project Purchase

    1 week ago

    ahmedabad, India Transformers & Rectifiers (India) Ltd Full time

    Candidate shall have 5-7 years of minimum experience inproject purchase in manufacturing sector.The position will be based out of Moraiya - Ahmedabad.Responsibilities:-·To study and understand special purchase which is related to projects·To planning purchases as per requirement and select vendors in such a way that materials are delivered on time·To...

  • Territory Business Manager For leading NBFC

    2 days ago

    ahmedabad, India Skill Ventory Full time

    Roles and Responsibilities Improves business & profitability through increase in market share of affordable mortgage, deeper geography penetration and effective channel & product mix Creates and nurtures channel partners Ensures effective credit appraisal process and underwriting quality keeping in mind the customer & organizational needs and identifying...

  • Auditor - Hotel Industry

    6 days ago

    Ahmedabad, India CrystalVoxx Ltd Full time

    The Auditor position is responsible for the auditing, posting and balancing of daily financial transactions to support the Multi property Reporting.ESSENTIAL JOB FUNCTIONS:.- Follows audit procedures to balance daily revenue and expense transactions, identifies the causes of out-of-balance situations in a timely manner, produces various reports for...

  • Cma

    4 weeks ago

    Ahmedabad, India Synergy Resource Solutions Full time

    Greetings from Synergy Resource Solutions, a leading HR Management Consultancy. Our Client, a leading and eminent manufacturer and exporter of Indian grown Organic Cotton and Yarn headquarter in Sindhu bhavan Road Ahmedabad, Gujarat. **Please find job details**: **Position**: CMA **Experience**: 8-10 years **Salary**: 6-7 LPA **Qualification**:...

  • Sr. Engineer – Project Purchase

    1 week ago

    ahmedabad, India Transformers & Rectifiers (India) Ltd Full time

    Candidate shall have 5-7 years of minimum experience in project purchase in manufacturing sector. The position will be based out of Moraiya - Ahmedabad. Responsibilities :- ·      To study and understand special purchase which is related to projects ·      To planning purchases as per requirement and select vendors in such a way that materials...

  • Sr. Engineer – Project Purchase

    1 week ago

    Ahmedabad, India Transformers & Rectifiers (India) Ltd Full time

    Candidate shall have 5-7 years of minimum experience in project purchase in manufacturing sector. The position will be based out of Moraiya - Ahmedabad.Responsibilities:-·      To study and understand special purchase which is related to projects·      To planning purchases as per requirement and select vendors in such a way that materials are...

  • Tele Caller Executive

    5 days ago

    Ahmedabad, India Angel Financial Services Full time

    **Telecaller Executive** Hi, Greetings from Angel Financial Service!!! We are currently hiring for "Telecaller Executive" for Ashram Road Location. **Job Location : Ashram Road, Ahmedabad.** **Qualification : 12th Pass.** **Experience: 6 Months - 2 Years (Fresher can also apply)** Note : Should have experience in banking like credit card...

  • Account Executive

    1 month ago

    Ahmedabad, India Jain Technosoft Full time

    Jain Technosoft, a leading Ahmedabad and Bangalore based Web Development and Digital Marketing Company is looking for Accounts Executive for Ahmedabad Location. **Job Title**: Account Executive - Part time **No of Positions**: 1 **Job Location**: Ahmedabad **Education**:Bachelor’s degree or equivalent. **Experience**: 0-1 year ( Knowledge of Tally erp...

  • Relationship Manager Corporate Banking

    21 hours ago

    Ahmedabad, India Antal India - Global Executive Recruitment Business Full time

    Sales Manager / Relationship Manager (SM / RM) – Corporate Lending / Commercial BankingJob Location (s) –Delhi, Gurgaon, Noida, Pune, Hyderabad, Chennai, Ahmedabad, Mumbai, BengaluruJob ObjectiveThe purpose of this job is building the book size and developing the SME / Mid-Corporate segment through the acquisition of clients, strengthening relationships...