Credit Manager (Working Capital) @ YES Bank, Noida

Yes Bank; Dadri; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Yes Bank in Noida is seeking a Credit Manager to ensure quality credit appraisals for worthy borrowers and timely approvals under delegated authority.

You will manage loan portfolio credit quality, monitor delinquency, ensure adherence to credit policy, and coordinate regional reviews with stakeholders.

Qualifications

• Experience in credit appraisal and risk assessment.
• Understanding of credit policy and process.
• Ability to monitor portfolio quality and delinquency.
• Strong communication with seniors for approvals.

Responsibilities

• Assessment of credit proposals and case reviews per policy parameters.
• Prepare CAM/reports highlighting information quality for decisioning at senior level.
• Monitor delinquency, exceptions, and portfolio movement.
• Maintain data as required by Senior Management.

Skills

Credit appraisal

Credit policy compliance

Portfolio management

Team supervision

Job description

Role: Credit Manager

BU: Credit Risk Management

SBU: Small Enterprises Business Risk (SEB Risk)

Clients' Turnover: Up to 150-200 Crores

Ticket Size: 7.5 to 50 Crores

Location: Max Towers, Noida

Role Summary:

• Ensure quality Appraisal of credit for worthy borrowers.
• Ensure timely creditand transaction approvals for delegation under self.
• Follow up with seniors for credit / transaction approvals.
• Managing loan portfolio with respect to credit rating/quality.
• Identify de risk account / AL accounts.
• Monitoring of Team TAT and Productivity.
• Ensuring adherence to the credit policy and process.
• Review of Delinquency
• Review exceptions and approval for knocking.
• Respond on the Hind sight and Internal audit observations
• Conduct monthly Regional Council Meetings with all the stakeholders.

Core Responsibilities:

• Assessment ofcredit proposal , Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal
• Preparing CAM / Report which highlights the quality of information , which helps the decisioning of cases are senior level
• Monitoring ofdelinquency, exceptions , portfolio movement.
• Maintaining data as required by the Senior Management