Regional Credit Manager- SEB Risk

SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE

These responsibilities are representative, and the role holder is also responsible for any other job assigned by the superior authorities from time to time. This section in not intended to be an exhaustive listing of all activities done by the role holder. It should capture only the key responsibilities of the role.

Metrics that are used to evaluate the success performance of the role; specific targets do not need to be included as those would change.

Responsibilities

KPIs

Strategy and Planning

• Undertake improvement in process systems. Support in implementing strategy agreed for SEB Segment.

• Providing strategic and structural inputs in formulating credit policies and process improvements

• Highlighting key risks concerns. Suggesting effective limit structures, collaterals and covenants enabling book growth in line with business targets.

• Meeting key clients, Industry Association, Industry peers and dissemination of knowledge to the team and business counterpart

Policies, Processes & Procedures

• Adherence to credit policy and regulatory guidelines.

• Identifying training needs and providing appropriate training.

• Compliance of audit and regulatory aspects.

• Conduct regular pipeline review with team members and business teams

• Undertake improvement in process systems.

Job specific buckets

• Managing loan portfolio with respect to credit rating, quality, industry concentration, granularity, secured/unsecured,

• Regular reviews along with business team to ensure adherence of TAT.

• Monitoring external ratings changes in external environment and analyzing its impact on the portfolio

• Timely identification of warning signals, timely renewal, timely review of stressed adversely labeled accounts and recommend strategy to reduce exit accounts

• Highlighting key risks concerns. Suggesting effective limit structures, collaterals and covenants.

• Ensure Timely completion of credit appraisals / renewals/PSMs with effective structures by team

• Delinquency Management with respect to 30+ and NPA

• Ensure control of exceptions- Critical security Ageing above 90+.

• Mentoring of Team, Managing Team Attrition

People Management

• Grooming key critical members for higher responsibilities

• Identifying training needs and providing appropriate training

• Collaborating with other departments for resolution of issues

• Ensure Productivity of the team benchmarking with the set standard for the unit.

• Credit culture and protection enhancement of YBL Brand

• CPA Management

SECTION V: OPERATING NETWORK

Key interactions which are essential to execute the role. This will include both internal (excluding sub-ordinates) and external stakeholders.

Internal Business Stakeholders, HCM, CAD, Legal,

Collaborating with other departments for resolution of issues, regular reviews Functional Collaboration with Business Units for Building quality book , Resolutions of Queries, Portfolio hygiene checks and Risk Collaborating with other departments for resolution , Adherence to YES Personality standards, Training requirements of team, rewards and recognition External Clients, Meeting key clients, dissemination of memos updating internal system stakeholders and review exposure strategy.

SECTION VI: ROLE PROFILE REQUIREMENTS

Minimum qualification which are essential to execute the role.

Education

Essential: BE CA MBA any other professional qualification related to our field from a reputed institute

Preferred:

Experience

Essential: Minimum of 10 years of work experience in Credit Risk Management, Team Management Function.

Preferred:

CORE COMPETENCIES

LEADERSHIP/ BEHAVIORAL COMPETENCIES

• Customer and Quality Focus

• Professional Entrepreneurship

• Drive for Results

• Influence and Impact

• Integrity

• Lead and Develop people

• Enables Change

• Build transparent and inclusive teams