Senior Associate, Specialist, Credit Approval (Business Banking), Risk Management Group

Job Description

Business Function Risk Management Group works closely with our business partners to manage the bank's risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure. Job Purpose To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment for Western region To assist the Credit Approvers in establishing credit controls and procedures for SME branches in Western region and help the Business Lines grow, such that the business runs seamlessly, within target NPL To actively evaluate lending proposals for IBG 4 customers of Western region including financial position assessment, industry position and position of the corporate, and hold promoter meeting, whenever possible Approve judiciously as and when DOA is granted Key Requirements To use credit analysis techniques, which highlight all significant risks in relation to a lending proposition, for evaluation and recommendation of the proposals in SME segment To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same. Job Duties And Responsibilities Review of credit proposals originating from Western region to highlight info gaps, key risk issues not adequately addressed Portfolio monitoring / tracking & escalation of adverse new events in company / industry Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines for the SME segment Ensure compliance with the benchmark Turnaround Time Experience 8 to 10 years of experience in Banking (preferably SME or credit department) / Credit Rating Education/Preferred Qualifications Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc Core Competencies Good analytical skills Good presentation skills Good interpersonal skills Good knowledge of industries/sectors Technical Competencies Sound knowledge of financial statement analysis and accounting policies/practices Good knowledge of credit evaluation methods including surrogate means of credit evaluation (like bank statement/GST based evaluation), tools & techniques Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general Knowledge of corporate banking products Knowledge of SME market in West and preferably should have had approval authority in his previous assignments. Primary Location India-Maharashtra-Mumbai Job Risk Management Schedule Regular Job Type Full-time Job Posting Jun 9, 2025, 4:00:00 PM Show more Show less