Role - Regional Credit Head-Infra (Executive Vice President)

Reports to - Zonal Credit Head/Head of Credit

Location - BKC office , Mumbai

Team Size - 14

Direct Reportee - 3 Credit Manager

Business - Wholesale Banking

Segment - Credit

Product - Infra

Key Responsibilities:

Credit Risk Management:

- Conduct in-depth credit analysis for clients in Infra segment on Pan India basis for Wholesale Banking segment of the Bank

- Assess the financial health, business viability, and creditworthiness of clients.

- Evaluate proposals, ensuring compliance with internal credit policies and regulatory guidelines.

- Prepare and present credit proposals to the Credit Committee.

- Monitor the health of the portfolio, identifying trends, potential risks, and opportunities for improvement.

Portfolio Management:

- Manage and optimize the credit portfolio. Analyze and report on portfolio performance, making recommendations for adjustments to credit strategies as necessary.

- Track and report on portfolio performance, highlighting key trends and potential risks.

Regulatory Compliance and Governance:

- Ensure compliance with all regulatory guidelines and internal credit policies.

- Build and maintain strong relationships with key stakeholders, including business heads, relationship managers, and external partners.

Team Leadership and Development:

- Act as the primary point of contact for all credit-related matters to the portfolio.

- Engage with senior management and the Board to provide updates on portfolio performance and risk management strategies.

- Lead, mentor, and develop a national team of credit professionals, fostering a high-performance culture.

Innovation and Process Improvement:

- Ensure the team is equipped with the necessary skills and knowledge to effectively manage credit risks.

- Promote continuous learning and professional development within the team.

- Drive innovation in credit risk management practices, leveraging technology and data analytics.

- Streamline credit processes to enhance efficiency, reduce turnaround times, and improve customer satisfaction.

- Stay abreast of industry trends and best practices, adapting strategies as needed to maintain a competitive edge.

Education & Experience:

- CA- or Postgraduate degree in Finance, MBA from premier institute.

- Additional certifications in credit risk management or banking will be an advantage.

- Minimum of 15-20 years of experience in credit risk management, with at least 3-4 in people management role.

- Excellent knowledge of regulators related to Infra

- Prior experience in managing Infra portfolio preferred.

Skills & Competencies:

- Leadership - Ability to lead team

- Strategic Vision - Capability to develop and execute long-term credit strategies.

- Risk Management - Expertise in identifying, assessing, and mitigating credit risks

- Collaboration - Ability to work effectively with senior management and cross-functional teams.

- Integrity - Commitment to maintaining the highest ethical standards in all credit practices.