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
