Assistant Vice President, Credit Risk Manager, Risk Management Group

DBS Bank Ltd; Mumbai City; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

DBS Bank Ltd in Mumbai seeks a seasoned Credit Risk professional to support SME lending in the Western region, assessing proposals, analysing financial position, industry outlook and promoter context, and assisting in establishing credit controls.

You will review credit proposals, monitor portfolios, escalate adverse events, and ensure strict compliance with RBI/MAS guidelines and internal credit policies to help the business grow while maintaining target NPL levels.

Qualifications

• 5 to 10 years of experience in Banking (preferably SME or credit department) / Credit Rating.
• Sound knowledge of RBI Regulations/ MAS Guidelines governing credit dispensation.
• Working knowledge of the general Legal framework in which the bank operates in India and apply the same.

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

Skills

Analytical skills

Presentation skills

Interpersonal skills

Industry knowledge

Credit risk assessment

Education

Professional qualification or postgraduate degree

Job description

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 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

1. Review of credit proposals originating from Western region to highlight info gaps, key risk issues not adequately addressed.
2. Portfolio monitoring / tracking & escalation of adverse new events in company / industry.
3. 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.
4. Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines for the SME segment.
5. Ensure compliance with the benchmark Turnaround Time

Experience

5 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

Mumbai

Job

Risk Management

Schedule

Regular

Employee Status

Full time