Credit Manager

YES BANK; Bengaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

YES BANK Credit Risk Management in Bangalore seeks a Credit Manager to build a quality loan portfolio and monitor delinquency. You will understand KPIs, align goals, and drive performance for the region, while controlling operational and credit costs and underwriting cases per bank risk policies.

You will ensure faster TAT and customer satisfaction, adhering to Yes Personality and bank policies. The role emphasizes strong portfolio oversight, adherence to policy, and cross-functional

Responsibilities

• Ensure exercises the credit delegation authority with all due diligence within the policy framework.
• Setting up & Monitoring processes related to policy/process & timely decision on all applications being processed.
• To ensure that you processes all loan applications within the defined turn-around time [TAT] efficiently, accurately, and high service standards.
• Increase the efficiency of credit managers by reducing reworks and increasing FTR in all the activities carried.
• Responsible for Process Improvements and Digital Initiatives
• Portfolio management:
• Monitoring of the portfolio, analysis of delinquent cases.
• Profiling of customers with data cuts.
• Highlight early warning signals
• Basis review to arrive with a definite corrective action plan.
• Executive corrective action plan with all control measures.
• Track deviations and correlate between deviations & delinquency.
• Co-ordinating and arrange on credit scrutiny, changes in policy, other regulatory requirements, process adherence/reiteration etc.
• Liaison with industry peer banks & financial institutions to understand the market behavior.
• To look proactively at best practices across industries and businesses and try adapting them to own context.
• Co-ordinating with external agencies which includes CPV, PD and sourcing channels.
• Impart training on changes related to processes, regular feedback towards overall improvement of their performance, TAT deliverables, data entry quality etc.

Job description

BU: Credit Risk Management

SBU: Retail Business Risk (RBR) - HL & LAP

Location: Bangalore

• The credit manager should ensure building quality portfolio and manage delinquency.
• Understands the KPIs/goals and takes full accountability to deliver for the region & overall performance.
• To understand the management goals & align/ driven towards the target.
• To control operational and credit cost. Rationalize various components of cost viz. CPV, CPA, Valuation etc. Initiative on cost saving taken on FI waiver, per FI cost, Valuation etc.
• To underwrite cases keeping in mind the Banks risk policies, risk appetite and quality of portfolio to be maintained.
• Ensure faster delivery within TAT and with satisfaction of customer requirements.
• To adhere Yes Personality and policy of the bank.

Role: Credit Manager

BU: Credit Risk Management

SBU: Retail Business Risk (RBR) - HL & LAP

Ticket Size: 10 Lakhs to 15 Crores

Location: Bangalore

Role Summary

• The credit manager should ensure building quality portfolio and manage delinquency.
• Understands the KPIs/goals and takes full accountability to deliver for the region & overall performance.
• To understand the management goals & align/ driven towards the target.
• To control operational and credit cost. Rationalize various components of cost viz. CPV, CPA, Valuation etc. Initiative on cost saving taken on FI waiver, per FI cost, Valuation etc.
• To underwrite cases keeping in mind the Banks risk policies, risk appetite and quality of portfolio to be maintained.
• Ensure faster delivery within TAT and with satisfaction of customer requirements.
• To adhere Yes Personality and policy of the bank.

Core Responsibilities

• Ensure exercises the credit delegation authority with all due diligence within the policy framework.
• Setting up & Monitoring processes related to policy/process & timely decision on all applications being processed.
• To ensure that you processes all loan applications within the defined turn-around time [TAT] efficiently, accurately, and high service standards.
• Increase the efficiency of credit managers by reducing reworks and increasing FTR in all the activities carried.
• Responsible for Process Improvements and Digital Initiatives
• Portfolio management:
• Monitoring of the portfolio, analysis of delinquent cases.
• Profiling of customers with data cuts.
• Highlight early warning signals
• Basis review to arrive with a definite corrective action plan.
• Executive corrective action plan with all control measures.
• Track deviations and correlate between deviations & delinquency.
• Co-ordinating and arrange on credit scrutiny, changes in policy, other regulatory requirements, process adherence/reiteration etc.
• Liaison with industry peer banks & financial institutions to understand the market behavior.
• To look proactively at best practices across industries and businesses and try adapting them to own context.
• Co-ordinating with external agencies which includes CPV, PD and sourcing channels.
• Impart training on changes related to processes, regular feedback towards overall improvement of their performance, TAT deliverables, data entry quality etc.