Rl - Sbb:secured Products Team

3 weeks ago


Mumbai, India Axis Bank Full time

**About Retail Lending**:
The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank.

**About the Role**:
Currently SBB Deals with Several products under working Capital Viz Digital STP QOD, Regular OD & Drop Line OD, Cash Credit, Term Loans, Merchant Cash Advance, Non Fund Based Products, and Loans for SEP

**Key Responsibilities**:

- Responsible for the Product Innovation & Life Cycle Management of WC Products
- Managing a WC book of about 35K Crore (FY 23 Exit) & being responsible for the P&L
- Strategize to Commercialize, monitor bottom line and set Controls for Robust Outcomes
- Be a Strong line of Support for the Front end team
- Team Handling Role with an opportunity to create Road map for future growth.
- Collaborate with Stake holders to augment existing Product, Policy & Process
- Be a part of the Digital transformation Journeys & drive the outcomes
- Budgeting & Constant review of goals in sync with Sales teams to deliver the goals.
- Ensure Compliance to all Governing regulations.
- Risk Management & monitoring of the book to ensure responsible Lending
- Monitor the RAROC & Yield closely, Take necessary steps proactively.

**Qualifications**:
Optimal qualification for success on the job is:

- Graduation/ Post-Graduation from a recognized institute

**Role Proficiencies**:

- Strategic, Innovative Mindset with an ability to Think & create Road maps
- Execution Mindset to Create Several Pilots/ Projects and take them to logical conclusion
- Acumen to challenge Current Process & aim to create better ones
- Ability to partner in Creating new business models to aid growth
- Working Capital Knowledge shall be an added advantage
- Result Oriented to strongly drive the outcomes by effective Collaboration



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