Domain Head - BFSI at Impeccable HR
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Credit Head - Agriculture Funding - BFSI (8-20 yrs)
Credit Appraisals - 35%
- Developing Credit & Underwriting Guidelines of the company.
- Responsible for recommending cases after risk analysis and checking underwriting guidelines as per policy.
- Responsible for monitoring the Risk in the portfolio and taking measures to minimize those risks.
- Has overall responsibility of maintaining a healthy portfolio as desired by the Management.
- Responsibilities on Strategy Development would include Approve/ Decline, Limit Assignment, Risk Based Pricing, Line Management, Authorizations, Re-pricing & Re-issue, among others.
- Ensure legally enforceable documentation, as per credit stipulations & legal guidelines, project process, credit covenants.
- Responsible for finding out the Credit Worthiness of Customer Segments and Collaterals.
- Responsible for establishing a mechanism for reporting of excess/exceptions to approve limits.
- Continuous Inputs on Re-engineering of credit policies to Senior Management to make the process robust and more efficient.
- Identify weak cases and classify them into NPA & provisioning on such accounts.
- Meeting customers, analyzing its financials and banking.
- Performing deduces checks, initiating FI, Valuation and Legal of the collateral and conducting LIP.
- Presenting to the committee cases for approval, highlighting concerns and its mitigant.
- Rolling out Minutes of the approved case.
- Issuing sanction letter as per approved minutes.
Team Management & People Management - 25% :
Star Agri Finance - Job Description :
- Responsible for On-boarding & Training's Team on Financial Assessment.
- Create KPI's for performance and measurement purposes.
- Responsible for retaining team.
- Conduct periodic internal reviews to ensure that compliance procedures are followed across locations.
- Work closely with the compliance & training team and liaison with the business heads to adhere all related requirements
- Coordinate with Vendors & other departments to close gaps.
- Facilitate Audits for Credit team as and when required.
Governance & Compliance - 15% :
- Implement processes and policy.
- Responsible for doing reviews within department.
- Ensure that the recommended process of appointment, management and review of Vendors is being followed.
Processing proposals within TAT - 15% :
- Ensuring a robust TAT for the proposal from the perspective of Credit/Underwriting.
Maintaining MIS - 10% :
- Maintaining master MIS showing all the cases logged in and daily movement of the case till it get approved.
Years Of Experience : 10 plus years of experience in similar role.
Qualification : CA/ICWA
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