Business Clients Credit Senior Advisor, AVP

Job Description

: Job TitleBusiness Clients Credit Senior Advisor, AVP Corporate Title: AVP LocationPune, India Role Description Business Clients Credit is responsible for advising/supporting business clients with complex credit financing needs, in line with all applicable regulatory requirements. Work includes: Advising on credit-related client solutions and assessing loans from an income and risk perspective, within the existing credit processes Be responsible for preparing credit submissions for approval, and the independent application for credit authority or approvals, whilst also monitoring credit exposures and/or any credit material deterioration over the life cycle of the client relationship Identifying business clients credit needs and proposing suitable products, services and/or solutions Supporting efforts to gain new business and grow earnings potential from existing clients, e.g. at client conferences Advising and guiding teams in the development of bespoke products/solutions/platforms Working with functional and cross-functional colleagues to ensure that products/solutions/platforms meet the needs of the bank/clients. May also participate in the negotiation and execution of mandated transactions with clients Optimal utilisation of resources, and compliance with defined performance targets keeping in line with relevant internal guidelines/controls and regulatory requirements Maintaining and growing business contacts and leads in the lending businessCompliance with internal and credit-related regulations, e.g., QS audit results, etc. Implementing regulatory KYC requirements, and maintaining compliance with other applicable regulatory requirements and guidelines What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy, Best in class leave policy. Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities This is a Managerial position - Cluster Head Will manage a team of 3 ASM directly , indirectly will be managing a team size of almost 20 people including SM & ASM Will need to generate business of about 50 Cr per month through ASM & SMs Ticket size of LAP Product should be 2CR to 5-8 CR and high value upto 20-50 CR Your skills and experience Experience range of 10 yrs. relevant experience in the same geography as the job location with min of 5 yrs of Team handling Exp Sound knowledge on Legal & Technical is pre requisite Sound knowledge in reading the financials of the customers is a must Must be a strong sales person with a well connect market reach- DSAs/Channel Distribution Should be handling SME Clientele in the past organisations How we'll support you Training and development to help you excel in your career. Coaching and support from experts in your team. A culture of continuous learning to aid progression. A range of flexible benefits that you can tailor to suit your needs.