National Head Credit Risk Commercial Retail & Rural Asset

Job Description

ROLE SUMMARY Building a Quality Portfolio Book for Micro Enterprise Banking, Channel Finance, Rural Assets and Commercial Vehicles and Equipment Segment in line with targets and Optimising Productivity Maintaining Credit hygiene and Transaction management and Ensure Audit rating and Hind sighting review of portfolio. Take lead in new initiatives to improve the overall products and processes. Regular market/customer visits to identify newer opportunities for business opportunities. Periodical review of process and policy to align with market requirement. To approve proposals / transactions under self-delegation as well recommend for approval of senior approvers/ committee. To promote digital solutions for various credit risk functions Credit Team and Business review on Volume, TAT and Productivity. Identify and plug process and policy gaps related to Credit Risk. Escalation Management. Collaboration with other stakeholders for solution finding. Ensure credit risk culture and protection / enhancement of YBL brand. Audit report discussion and closure for RBI, Internal and Hind sighting. Dissemination of process, policy and strategy to the Zonal/Regional teams. Delinquency review and management. Team hiring, mentoring and attrition management. Monitor unit cost. KEY RESPONSIBILITIES/ ACCOUNTABILITIES Strategic/ Managerial Responsibilities Take lead in new initiatives like products, policies & processes etc. Regular market/customer visits to identify newer opportunities for business opportunities. To promote digital solutions for various Credit risk functions Core Responsibilities Periodical review of process and policy to align with market requirement. To approve proposals / transactions under self-delegation as well recommend for approval of senior approvers/ committee. Credit Team and Business review on Volume, TAT and Productivity. Identify and plug process and policy gaps related to Risk. Escalation Management. People Management or Self-Management Responsibilities Team hiring, mentoring and attrition management. Collaboration with other stakeholders for solution finding. Ensure Credit risk culture and protection / enhancement of YBL brand. Risk and Internal Control Responsibilities Audit report discussion and closure for RBI, Internal and Hind sighting. Dissemination of process, policy, and strategy to the regional teams. Delinquency review and management Minimum Qualifications - CA/ MBA from a reputed institute Years of Experience - Overall experience of more than 20-yrs in credit risk management & underwriting experience. Nature of Experience - Experience in Leading a Team of Credit underwriting of SME, Mid-Market Show more Show less