Senior Vice President - Large Ticket SME Credit

Job Purpose

Ensuring portfolio build up with proper assessment and underwriting of proposals. Industry and market parameters and other macroeconomic factor to be taken into account while underwriting

Unit Portfolio build up to be ensured by maintaining credit quality and following the laid down credit policy

Unit TAT need to be monitored and ensured within defined benchmark

Regular review of deferrals, delinquency, stock audit and watchlist/ exit accounts to be done

Collaboration with other stakeholder such as operations, audit, compliance to be done at regular interval

Suggestions and implementation of policies on credit underwriting and portfolio management

Portfolio quality to be maintained by developing a team having consistency in credit decision and complying the credit process.

Early identification of exit/weak accounts and timely exit of these accounts in liason with business team to maintain pristine quality of books

Portfolio to be managed in a desired manner with negligible addition in NPA level.

Job Responsibilities(JR) : 6 8 Areas

Actionable (4-6)

Risk / Portfolio Management Working Capital Products

Early Delinquency and Mortality to be under control

NPA % should be minimal

Housekeeping under control

Watchlisted / Exit accounts are under control

TAT Management

Ensure Credit TAT within benchmark

CPA TAT should be under control

Ensure joint efforts with business for achieving E2E TAT

Management of stress accounts

Identification of EXIT and adhere to EXIT plans

Follow-up for Pot NPL a/cs for regularization

Controlling a/cs with lowe behavior score band

.

MIS Analysis

Monitoring TAT for the area and review improvements with the team

Ensure every team member achieves productivity and TAT benchmarks

Analyze the portfolio for delinquency, slippages etc

People Management

Regular feedback given to team on performance & improvements

Guiding team for their career growth

Ensure appropriate training for reportees

Ensure team work with other stakeholders

Process Deliverables

Reduction of wastages by fortnightly review

Healthy discussion with the other stakeholder to ensure faster decision and smooth functioning

Ensure adequacy and smooth functioning of vendors

Educational Qualifications (examples listed below)

Key Skills (examples listed below)

Chartered Accountant

MBA from reputed Institute

Banking Product & Process Knowledge

Communication

Knowledge of Industry

Analytical Ability

Experience Required (examples listed below)

• Minimum experience in years 10- 15 yrs
• Exposure to banking preferable

Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) (examples listed below)

Customers

Branch Banking Team

Operations

Business Teams

Audit / CRU

Location

Bangalore