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30/12 Sabneet
Associate Consultant at Symbiosis Management Consultant

Views:520 Applications:120 Rec. Actions:Recruiter Actions:11

Head - Credit Risk - Banking (14-24 yrs)

Delhi NCR/Faridabad Job Code: 1355452

Job Title: Head - Credit Risk (Commercial Vehicle & Tractor Business)

Department: Credit Risk Management

Reports To: Chief Executive Officer (CEO)

Job Purpose:

To oversee and manage the credit risk associated with the commercial vehicle and tractor financing portfolio of the NBFC, ensuring optimal risk-reward balance, compliance with regulatory guidelines, and safeguarding the company's assets.

Key Responsibilities:

Risk Assessment and Analysis:

- Conduct comprehensive credit risk assessments for commercial vehicle and tractor loan applications.

- Develop and implement credit risk models specific to the commercial vehicle and tractor industry.

- Monitor portfolio trends and identify potential areas of concern or opportunity.

Policy and Procedure Development:

- Review, update, and formulate credit risk policies and procedures specific to the commercial vehicle and tractor business.

- Ensure alignment with regulatory requirements and industry best practices.

Credit Decisioning:

- Provide guidance and oversight to credit underwriting teams.

- Review and approve credit limits, terms, and conditions for commercial vehicle and tractor financing.

Portfolio Management:

- Monitor portfolio quality, delinquency trends, and credit losses.

- Implement strategies to mitigate credit risk and enhance portfolio performance.

Stakeholder Collaboration:

- Collaborate with sales, operations, and finance teams to ensure cohesive risk management strategies.

- Engage with regulatory authorities and external auditors on credit risk-related matters.

Reporting and Analytics:

- Prepare and present regular credit risk reports to senior management and board committees.

- Utilize analytics tools and techniques to derive insights and inform strategic decisions.

Team Leadership and Development:

- Lead, mentor, and develop a high-performing credit risk management team.

- Foster a culture of continuous learning, innovation, and risk awareness within the team.

Qualifications and Experience:

- Bachelor's/Master's degree in Finance, Economics, Risk Management, or related field. An advanced degree or certification (e.g., FRM, CFA) is a plus.

- Minimum of [14 years] of experience in credit risk management within the NBFC sector, with a focus on commercial vehicle and tractor financing.

- Strong understanding of credit risk models, regulatory guidelines, and industry dynamics.

- Proven leadership skills with the ability to drive results in a dynamic environment.

Competencies:

- Strong analytical and quantitative skills.

- Excellent communication and interpersonal skills.

- Strategic thinking and decision-making abilities.

- Attention to detail and risk awareness.

- Ability to work collaboratively and influence stakeholders.

This job opening was posted long time back. It may not be active. Nor was it removed by the recruiter. Please use your discretion.

Women-friendly workplace:

Maternity and Paternity Benefits

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