Senior Associate/Assistant Vice resident, Credit Risk Manager, InstitutionalBanking Group, Risk man

DBS Bank Ltd; Helena (MT); Sur place; USD 21 000 - 29 000; Plein temps

Résumé du poste

DBS India is seeking a senior Risk Management professional to provide credit support to Credit Approvers for SME lending in the NCR region. You will evaluate financial position, industry outlook and borrower strength to help the business run within target risk levels.

With 8–10 years of banking experience (preferably SME or credit), you will apply RBI/MAS guidelines, ensure internal credit policy compliance and collaborate with SME Relationship teams to maintain controls and drive timely

Qualifications

• 8 to 10 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.

Responsabilités

• To use credit analysis techniques highlighting risks for SME lending proposals.
• Apply RBI/MAS guidelines and ensure compliance with credit policy and regulations.
• Monitor portfolio and ensure timely follow up on delinquencies.
• Collaborate with SME Relationship team and CCU to manage risk and approvals.

Connaissances

Analytical skills

Presentation skills

Interpersonal skills

Industry knowledge

Formation

Postgraduate degree in business/finance

Description du poste

Job Purpose

• To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment for NCR region.
• Toassistthe Credit Approvers inestablishingcredit controls and procedures for SME branches in NCR regionand alsohelp the Business Lines grow, such that the business runs seamlessly, within target NPL.
• To actively evaluate lending proposals for IBG 4 customers of NCR region including financial position assessment, industrypositionand position of the corporate, and hold promoter meeting, whenever possible.
• Approve judiciously as and when DOA is granted

Key accountabilities

• 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,companiesand 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.

Requirements

• Review of credit proposals originating from NCR 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 thatoverduesare 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

8 to 10 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 cash flow analysis, 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 NCR 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.

DBS India - Culture and Behaviours

• Performance through Value Based PropositionsEnsure customer focus by delighting customers & reduce complaintsBuild pride and passion to protect,maintainand enhance DBS' image and reputationEnhance knowledge base, build skill sets & develop competenciesExecute at speed whilemaintainingerror free operationsMaintain the highest standards of honesty and integrity

Location

New Delhi

Job

Risk Management

Schedule

Regular

Employee Status

Full time