Talent Acquisition at IDFC
Views:1880 Applications:142 Rec. Actions:Recruiter Actions:0
IDFC Group - Risk Manager - SME Risk (5-7 yrs)
Position Code: 00001103
Job Title: Risk Manager - SME Risk
Location: Mumbai
Minimum Experience: 5 years
Maximum Experience: 7 years
Qualification: MBA in Finance or CA
Required Skills:
- 5 - 7 years of financial industry experience which should include risk analytics, risk management, consumer risk, retail banking experience within banking industry
- Strong knowledge of risk management and internal control principles
- Strong analytical and problem solving ability; ability to visualize, articulate, and solve complex problems and evaluate correlations and synthesize data driven insights.
- Ability to gather and analyze information, design tests and verification procedures to confirm accuracy and strengths of a given control point.
Industry Preference : Banking/ BFSI
Role Description:
- Appraising credit proposals, conducting risk analysis & scrutinizing relevant documents, ensuring compliance with bank's credit policies.
- Engage in undertaking credit rating assignments of Small and Medium Enterprises (SMEs) across various sectors such as pharmaceuticals, education, steel, automobile, textile, and real estate.
- Underwriting the credit proposals in respect of SME units. Carrying out in-depth analysis of the financial statements of the SME units and accordingly, charting out viable credit limits (both fund based and non fund based credit exposure) and term borrowings.
- Preparation of credit proposals for SME clients and presenting the same to the zonal credit committee for sanction & performing credit evaluations of SMEs.
- Studying the prevalent market & industry conditions to analyze the client requirement, which in turn, helps in decision making in terms of loan sanction. Carrying out post sanction operational activities viz: monitoring the health of the portfolio, identifying early warning signals, supervision and controlling delinquency and credit loss, regular unit visits, preparation and analysis of credit MIS etc.
- Responsible for reviewing the working capital proposals of SME clients.
- Managing various credit operations involved for retail and SME clients including appraising proposals, conducting risk analysis, assigning internal rating to clients & scrutinizing relevant documents before sanctioning the limits to clients.
- To work with Sales team on deal structuring to tap business opportunities in perceived low-risk or/& high returns segments
- To conduct due diligence, site visits and discussion with the borrowers with a view to ensuring portfolio quality
- Complying with the various checks involved during the course of appraisals like CIBIL, credit reports, reduplication report, Field investigation report, technical report and legal report and RCU report.
- Monitoring post loan disbursement activities including account management, trends in the client business, identifying the macro environment which may impact the client business, transformation of risk scoring etc
- Generating need based financial performance/ MIS/costing/ other reports for purpose of submission to top management for strategic decision making
This job opening was posted long time back. It may not be active. Nor was it removed by the recruiter. Please use your discretion.