Executive Vice President of Credit Risk Management

13 hours ago


Bengaluru, Karnataka, India Ujjivan Small Finance Bank Full time

About the Role:

We are seeking an accomplished Executive Vice President of Credit Risk Management to lead our Credit Risk Team at Ujjivan Small Finance Bank.

As a seasoned professional with extensive experience in credit risk management, you will be responsible for overseeing the bank's credit risk profile, ensuring compliance with regulatory requirements, and developing strategies to mitigate potential risks.

The ideal candidate will have a strong background in finance, economics, or a related field, with a minimum of 15 years of banking experience specializing in credit risk management. A Bachelor's or Master's degree is preferred, along with certifications such as CFA or FRM.

A total of 20 years of experience, including at least 15 years in banking, is required. You must be well-versed in MSME credit risk and other retail products to excel in this role.

The salary for this position is estimated to be ₹50,00,000 - ₹60,00,000 per annum, based on industry standards and location.

Key Responsibilities:

  • Head the Credit Risk Team and oversee the assessment, management, and mitigation of credit risk associated with lending to Micro, Small and Medium Enterprises (MSME) and other retail products.
  • Conduct detailed credit analysis on MSME portfolios, including financial and eligibility analysis, cash flow projections, and collateral evaluation.
  • Develop and implement credit risk appetite/limits statements with support from Business units.
  • Monitor credit risk parameters and credit exposure/concentration limits set by the Bank's Board of Directors/Risk Management Committee of the Board/Regulator.
  • Ensure implementation of the credit risk management policy approved by the Board.
  • Formulate, review, and implement risk appetite as per direction given by the Chief Risk Officer (CRO) with limits for each individual sub-segments.
  • Review status of portfolio management, loan review mechanism, risk monitoring and evaluation, regulatory compliance, risk concentrations, industry reviews, and suggest corrective measures and activity reviews for credit risk management.
  • Review and approve the use of credit scorecards, monitor their performance, and make recommendations to the CRO.

Benefits and Perks:

This role offers a competitive salary package, opportunities for career growth, and a chance to work with a dynamic team at Ujjivan Small Finance Bank. The bank values its employees and provides a supportive work environment that fosters innovation and excellence.



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