Senior Associate, Specialist, Credit Approval, Risk Management Group

China, Beijing Branch; Mumbai; Sur place; INR 900 000 - 2 100 000; Plein temps

Résumé du poste

Mumbai-based Risk Management role focusing on credit support for SME segment. You will assist Credit Approvers in policy implementation, establish credit controls, and evaluate IBG 4 lending proposals based on bank statement analysis.

You will review proposals PAN India, monitor portfolio, escalate adverse events, ensure adherence to RBI/MAS guidelines, and maintain timely Turnaround Times. The ideal candidate has 6–17 years in banking with strong analytical and communication skills, plus a

Qualifications

• 6 to 17 years of experience in Banking (preferably SME or credit department) / Credit Rating.
• Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc.
• Sound knowledge of financial statement analysis and accounting policies/practices.
• Good knowledge of RBI regulations, MAS guidelines and local laws affecting businesses in India.

Responsabilités

• Review credit proposals originating from PAN India and 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.

Connaissances

Analytical skills

Presentation skills

Interpersonal skills

Industry knowledge

Formation

Postgraduate degree

Professional qualification

Description du poste

Job Purpose

• - To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment.
• - To assist the Credit Approvers in establishing credit controls and procedures for SME branches and help the Business Lines grow, such that the business runs seamlessly, within target NPL.
• - To actively evaluate lending proposals for IBG 4 customers based on bank statement analysis
• - Approve judiciously as and when DOA is granted

Key Accountabilities :

• - 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.

Job Duties and Responsibilities:

• - Review of credit proposals originating from PAN India and 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 (Indicate nature and extent of work experience including number of years required, if applicable.)

• - 6 to 17 years of experience in Banking (preferably SME or credit department) / Credit Rating.

Education:

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 and preferably should have had approval authority in his previous assignments.

Location:

Mumbai

Job:

Risk Management

Schedule:

Regular

Employee Status:

Full time