Senior Portfolio Risk Manager

3 days ago

Mumbai City Navi Mumbai Mumbai, India beBeeRegionalCreditManager Full time US$ 9,00,000 - US$ 12,00,000

Job Title: Regional Credit Manager

Job Description:

We are seeking an experienced professional to oversee the overall credit and risk functions for assigned areas. You will be responsible for processing and underwriting Construction Finance deals, ensuring adherence to credit policy and maintaining portfolio quality. This role requires a leader who can manage vendor relationships, contribute to credit policy design and ensure compliance and training initiatives are met across the region.

Responsibilities:

  • Credit & Risk Management: Manage overall credit and risk functions for assigned areas/locations. Responsible for processing and underwriting Construction Finance deals as per credit policy.
  • Policy Adherence & TAT: Ensure adherence to credit policy and defined processes, including TAT management, PD management, CAM quality, and Fraud Risk Management.
  • Business Enablement: Facilitate the business team in achieving monthly/annual business targets.
  • Portfolio Quality: Maintain portfolio quality, and be responsible for collections, delinquency, and NCL management.
  • Credit Policy Inputs: Provide inputs for designing and implementing credit policy and programs, new initiatives, and periodic changes based on sales team input and market feedback. Offer insights on competitor product and policy.
  • Site Visits & Due Diligence: Visit builder sites/client sites and prepare and submit reports on project completion, client business activity, and neighborhood/customer feedback.
  • Post-Disbursement Management: Responsible for PDD monitoring and collateral management. Coordinate with the Operations team for disbursal and the PDD process.
  • Vendor Management: Monitor and manage various vendors, including Legal, Valuation, CPV, FCU, ROC Search, and Stock Audit agencies. This includes vendor TAT management, visits, and payment management.
  • Team & Resource Management: Hire credit resources as per manpower budgeting, manage attrition, and oversee performance.
  • Compliance & Training: Ensure audit and regulatory compliance for your location/area. Coordinate training programs for credit/sales teams and impart induction training for subordinates.
  • Market Intelligence: Conduct reference checks for prospective borrowers from market links and existing lenders.
  • Reporting: Manage MIS for your vertical.

Requirements:

  • Proven experience in credit and risk management, particularly in Construction Finance.
  • Strong understanding of credit policies, underwriting processes, and fraud risk management.
  • Expertise in portfolio quality management, including collections, delinquency, and NCL.
  • Experience in vendor management and site visit assessments.
  • Ability to contribute to credit policy design and implementation.
  • Strong leadership skills for team management, hiring, and performance oversight.
  • Excellent communication, coordination, and analytical skills.

Qualification:

  • Bachelor's or Master's degree in Finance, Business Administration, or a related field, or equivalent experience.

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