Analyst, Credit Approval, Risk Management Group

As a Credit Risk Manager in the Risk Management Group at our company, you will play a crucial role in managing the bank's risk exposure while maximizing returns within an acceptable risk profile. You will work closely with origination teams to provide financing, investments, and hedging opportunities to customers. Your main responsibilities will include: **Key Responsibilities:** - Underwriting files according to policy, processes, and controls for CLAP business - Recommending/approving credit applications in line with agreed workflows and policies, considering all significant risks - Monitoring delinquency levels and ensuring timely follow-up to regularize overdues - Having sound knowledge of the C-LAP customer segment and associated risks - Managing vendors such as Legal and Technical - Applying knowledge of RBI Regulations/MAS Guidelines governing credit dispensation - Understanding the general Legal framework in which the bank operates in India Your duties and responsibilities will involve: - Setting up policy/processes for CLAP - Approving Mortgage applications for your respective branch/location/region - Monitoring portfolio and escalating adverse events - Ensuring compliance with internal credit policy and regulatory guidelines - Guiding/supporting the team of relationship managers - Ensuring processing of files within agreed timelines **Qualifications Required:** - Six to ten years of experience in mortgages in Consumer Banking, preferably lending to MSME customers - Professional qualification, graduate or postgraduate degree in business, accountancy, economics, finance, etc. - Sound domain knowledge of the mortgages business and market **Core Competencies:** - Good analytical, presentation, and interpersonal skills - Good knowledge of the industry **Technical Competencies:** - Sound knowledge of lending frameworks for mortgages - Good understanding of credit evaluation methods, tools, and techniques - Familiarity with regulatory guidelines on credit issued by RBI, MAS, and local laws - Knowledge of banking products and associated risks - Adequate local knowledge of properties in relevant cities In this role, you will have a good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators, and external agencies.,