Avp Credit Risk

3 days ago

Mumbai, India RECR Consultants Full time

Responsibilities:
Credit Risk Management
- Managing the overall risk metrics for the organization. Ensuring that the portfolio health is maintained within accepted risk parameters. Risk head will interact with various partner banks and NBFC to setup aligned policies to acquire customer and manage collections
- Check and keep track on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact.
- Co-ordinate with analytics for preparation of various management dashboards and tools for portfolio monitoring.
- Develop programs across credit and risk functions.
- Regulatory compliance and interactions with variousteams.
- Portfolio Management, based on accurate evaluation of portfolio performance, market developments and product management imperatives.
- Support new product launches in digital space.
- Support business by rolling out regular test programs and convert them into policy basis defined success criterion.

High ticket under-writing
- The incumbent will be responsible for underwriting personal loan proposal as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.
- To conduct personal discussion with customers to establish Credit worthiness.
- Interact with the client, gather requirements, financial statements and other inputs for performing quality Credit analysis and due diligence. (for renewal & new borrowers)
- To prepare Credit Appraisal Memo (CAM).
- Responsible for Credit Assessment -To coordinate with sales to achieve targets and ensure TAT or SLAs are met.
- Work closely with RM/Product partners in structuring Credit solutions and ensuring appropriateness of the products, and expediting approval

**Benefits**:

- Provident Fund

Schedule:

- Day shift

Ability to commute/relocate:

- Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (required)

Application Question(s):

- Do you have experience on Personal Loan?
- What is your current CTC?

**Experience**:

- credit risk (preferred)

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