Head Credit

Intellectual Capital HR Consulting Pvt. Ltd.; Surat; Sur place; INR 7 000 000 - 11 000 000; Plein temps

Résumé du poste

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Senior Vice President – Credit Appraisal to lead policy formulation, ensure regulatory compliance, and oversee loan sanction and portfolio monitoring.

The role requires extensive experience in banks/NBFCs, strong credit risk assessment, and leadership of cross-functional teams to drive timely disbursement and recovery strategies.

Qualifications

• Post-graduate with MBA/CA/CFA/CMA in Finance.
• 18+ years in Bank/AIFI/NBFC with at least 7 years in Project/Infrastructure Finance.
• Deep understanding of infrastructure sectors and policy framework.
• Strong credit risk assessment capabilities and analytical skills.

Responsabilités

• Formulate and amend business policies for loan sanction.
• Ensure regulatory compliance in loan sanction agenda.
• Oversee timely loan sanctions and monitor loan book.
• Coordinate with Operations for timely disbursement of funds.
• Provide MIS reports and support audits.
• Lead and supervise the team; manage stakeholders.

Connaissances

Credit risk

Project finance

Analytical skills

Leadership

Team management

MS Excel

Written communication

Cross-functional collaboration

Regulatory compliance

Financial analysis

Formation

MBA/CA/CFA/CMA

Outils

MS Excel

MS PowerPoint

Description du poste

Job Title Head Credit

Job Profile

The Senior Vice President (SVP) – Credit Appraisal is responsible for formulating and amending business policies related to loan sanction in consultation with Risk. The incumbent is responsible for ensuring completeness and regulatory compliance in loan sanction agenda. The incumbent will have overall responsibility of management and oversight of timely loan sanctions, monitoring of loan book, implementing effective recovery strategies in case of defaults / stress and coordinating with Operations team for ensuring timely disbursement of funds. The incumbent also oversees post-sanction tasks, facilitates MIS reports and audits.

Primary Job Duties/Responsibilities

The key job duties/responsibilities are enumerated below:

• Preparing and finalizing Business policies and its amendment related to loan sanction in consultation with Risk.
• Reviewing agenda notes for loan sanction with respect to its completeness, meeting the regulatory guidelines and policies requirement.
• Post sanction work like issuance of sanction letter, amendments in terms and conditions, if applicable, Appointment of third parties like LIE/ LFA, if applicable.
• Providing MIS reports to the competent authority as required
• Coordinating with auditors (internal/ Statutory) for timely completion of audit of loan accounts.
• Manage loan advances and develop strategies for addressing cases of stressed loans
• Implement and oversee day-to-day monitoring of loan portfolios, ensuring timely interventions and modifications as investments evolve
• Implement and oversee day-to-day monitoring of loan portfolios, ensuring timely interventions and modifications as investments evolve
• Facilitate seamless transition of projects from due diligence of proposals to loan closure.
• Ensuring compliance to regulatory, policy and SOP requirements related to appraisal of projects / loan proposals, etc.
• Supervising and managing the work assigned to the team
• Ensuring the compliances on the decisions taken by Board Committees & Board time to time related to the functions being handled.
• Any other work assigned by management from time to time

Educational Qualifications

• Candidate should be a post-Graduate with degree in Business Administration (MBA or equivalent PGDM) specialising in Finance or a CA / CFA / CMA.

Experience

• The candidate must have a minimum of at least 18 years of overall experience in a Bank / AIFI / NBFC of which at least 7 years of experience in Project Finance / Infrastructure Finance.
• The candidate should have in-depth understanding of the various infrastructure sectors including the Govt. policy framework, the key issues plaguing the sector, the key players in the sector, their position in the industry, etc.
• Should have in-depth understanding of various aspects of credit risk for assessment of loan proposals.
• Strong analytical and research skills
• IT competence with proficiency in various IT tools/software application required for tracking sectoral credit and reporting of the same. Proficiency in MS excel, MS PowerPoint and other analytical tools
• Should have ability to work in cross functional teams, should be highly committed and able to communicate clearly. Should have good oral and written communication skills
• Experience in building and leading teams
• Proficiency in optimizing portfolio risk and return, improving capital efficiency of the exposures and supporting overall business growth.
• Proven track record of developing credit underwriting and risk assessment skills.