Branch Risk Manager/Head - Credit

Role Branch / Area Risk Head /Manager Location

Function Risk & Credit Business Group SME & Retail Asset

Product/Sub Function - Secured Business & MSME Lending

Grade - Sr. Manager / Manager

Purpose of Job

Deliver High Credit assessment of Secured Business & MSME Loans for the branch maintaining high standard processing efficiency & Data Quality.

Responsibility (in details)

1. Credit Risk Management

- Prepare and review credit applications made and provide assessment

- Conduct financial statement and business analysis for loan eligibility.

- Preparation of applications in conjunction with the ZCM for loan sanctions where loan amount is higher than CM / ZCM sanction authority

- Manage Productivity, file processing cost within the budgeted levels

- Ensure processing of files within agreed Timelines.

2. Business Risk Partnership

- Work in partnership with Sales teams on new and existing credit applications, providing guidance on credit appetite and other pertinent information prior to applications being made

- Proactively contribute to embedding agreed change management initiatives within sales teams in support of process improvement and policy development

- Support and contribute to specific projects as determined

- Act as a constant source of feedback to product and policy teams to aid in innovating the current product offering and launching new products

3. Wider Risk Management

- Support the ZCM in identifying training and development needs of Vendors and initiation support staff in relation to policy & process.

- Participate actively in general good credit governance initiatives and uphold highest standards of risk management.

- Proactively contribute to embedding change management initiatives in support of process improvement and policy development regarding clients

4. People Management & Performance Management

- Identification, hiring , training and retention of the desired Credit staff at area & branch levels

- Implement the performance management system and culture as per the objective of the organization

- Implementing the monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured, reported, analyzed and improved

5. Governance & Compliance

- Implement processes as per policy.

- Educate and train the team members on the policy requirement

- Ensure and check that policies and standards are being implemented at the ground level

- Ensure that the recommended process of appointment, management and review of Vendors is being followed.

- Implementing the Fraud Control systems

- Ensure that branch / area is always Audit Complaint with internal and external policies and regulations

6. Customer Service

- Create a customer centric culture

- Implement, measure, monitor and control parameters that improve customer experience

Knowledge & Skills Required

- Should be able to manage sales & collection function of the branch

- Should have Exposure of Property backed & Asset based lending products

- Should have knowledge about local industrial trend /Machineries

- Basic knowledge of Legal aspect of the recovery unit

- Should have corporate sales exposure

Qualification

- Preferably Chartered Accountant / MBA Finance, if adequate relevant experience is present.

Position reporting into Zonal Credit Manager

Team handling (If yes, no. of reportees) - Yes