Job Description

Risk Management Group works closely with our business partners to manage the banks 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 (In a brief, specific one or two-sentence statement, answer the questions: "Why does this position exist?" and "What is it expected to accomplish?")

To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment for Southern region.
To assist the Credit Approvers in establishing credit controls and procedures for SME branches in Southern region and also help the Business Lines grow, such that the business runs seamlessly, within target NPL.
To actively evaluate lending proposals for IBG 4 customers of Southern 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 Accountabilities :

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 Southern 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 Banks internal credit policy as well as regulatory guidelines for the SME segment.
Ensure compliance with the benchmark Turnaround Time

Experience (Indicate nature and extent of work experience including number of years required, if applicable.)

8 to 10 years of experience in Banking (preferably SME or credit department) / Credit Rating.

Education/Preferred Qualifications (List the minimum and preferred qualifications required to perform all essential functions, including field of study)

Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc.

Core Competencies (State the qualities, skills, behaviours and attitudes that the incumbent must possess in order to perform the responsibilities of this position.)

Good analytical skills
Good presentation skills
Good interpersonal skills
Good knowledge of industries/sectors

Technical Competencies (List the technical knowledge and skills required for this position.)

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 South and preferably should have had approval authority in his previous assignments.

Work Relationship (State the essential working relationships with superiors, peers and subordinates as well as external parties which will contribute directly to the successful accomplishment of this job.)

Interaction and good working relationship with SME Relationship team and CCU. Other product teams (GTS, T&M etc), RBI inspectors, regulators and other Vendors.
Education: Any Graduate
Industry: Financial Services/Stockbroking

Skills Required