Head - Credit Policy - Bank

About the client:

- Company Name: The South Indian Bank Ltd

Educational Qualification : Post-graduation or equivalent from a recognized University with a minimum 50% marks

Terms Of Employment : On Contract for a period of 3 years and renewable thereafter based on review

Job Description/Core Competencies :

- Expertise in Credit as well as Credit Operations, including compliance, monitoring/ administration of credit.

- Aware of various loan products and products offered by Competition.

- Responsible for ensuring that all of the Bank's internal credit policies are in line with regulatory policies, including and not limited to RBI policies, SEBI guidelines, FEMA guidelines, MSME guidelines.

- Accountable for creation, updation, dissemination and implementation/adherence of policies across the Bank's product portfolio.

- Facilitate Business teams and Branches to function with customer focus by creating customer-friendly credit policies proactively, while also taking into account the interests of the Bank.

- Ensure a standardized process for new credit policy creation and updates across the Bank, via continuous training of staff.

- Conceptualize, build and maintain real-time dashboard reflecting the Bank's portfolio details

- Automation of government schemes to enable better tracking and monitoring of portfolio.

- Provide final input on credit policy changes to be made across CPCs and business teams.

- Automate product tracking and compliance parameters for products under the Bank's specific focus areas.

- Work in close coordination with various stake holders for product/policy approval as well as with Business Solution Group/ Information Technology team for system enablement/ implementation of policy guidelines.

- Assess the risk appetite at regular intervals and review the policy/ processes to grow quality business.

- Automation of key processes.

- Create dashboards that reflect real-time data of the Bank's portfolio across different zones and products.

- Automate monitoring and tracking of key product portfolios within the Bank.