Assistant Vice President, Credit Risk Manager, Risk Management Group

DBS; Hyderabad; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

DBS in Hyderabad seeks an Assistant/AvP level Credit Risk Manager to support SME credit decisions for the Southern region. You will review lending proposals, assess financials and industry risks, and ensure policy compliance in a fast-paced banking environment.

The role requires 8–10 years in banking, strong analytical and presentation abilities, and knowledge of RBI/MAS guidelines. Regional travel and close collaboration with Credit Approvers are expected.

Qualifications

• 8–10 years banking experience (SME or credit dept)
• Professional qualification or postgraduate degree in business/accountancy/economics/finance
• Knowledge of RBI Regulations and MAS guidelines
• Ability to assess financial position and industry risk
• Strong analytical and presentation skills

Responsibilities

• Review credit proposals from Southern region and highlight info gaps or key risk issues
• Portfolio monitoring and escalation of adverse events in company/industry
• Track delinquency levels and ensure timely follow-up with borrowers
• Ensure compliance with internal credit policy and regulatory guidelines for SME segment
• Coordinate with SME Relationship team and CCU to ensure risk controls are maintained

Skills

Analytical skills

Presentation skills

Interpersonal skills

Industry knowledge

Education

Postgraduate degree in business/finance

Job description

## Assistant Vice President, Credit Risk Manager, Risk Management GroupApply: Regional Office Hyderabad: Full time: Posted Today: WD89444**Job Purpose*** 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 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 and 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 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 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.**Work Relationship**Interaction and good working relationship with SME Relationship team and CCU. Other product teams (GTS, T&M etc), RBI inspectors, regulators, and other Vendors.**Location:**Regional Office Hyderabad**Job:**Risk Management**Schedule:**Regular**Employee Status:**Full time