Northern Arc Capital - Associate Director - SME

- Responsible for meeting the Zonal P&L and credit quality targets; co-own all team targets

- Should be a go-getter, guide and motivate team members in achieving business targets; implement performance measures (scorecard) to track and monitor business performance.

- Help with executing and managing the SME strategy and operational business plan, taking into account the market opportunities/growth potential, competitor activity, existing capabilities and risk appetite.

- Advise on SME market analysis and segmentation, SME financial products, SME credit risk evaluation processes, and loan collections & sound recovery procedures within the legal framework.

- Steering the polices/products through credit committee and presenting the case to the committees for approval/ sanction.

- Proactively network/ liaise with promoters, bankers /NBFC/FIs, investment entities to understand strategy implications, collect market intelligence, identify new business opportunities and provide status reports

- Identify the geography, location for business including supervising for setting up of sales/relationship, credit, monitoring infrastructure at decentralised level

- Monitoring, supervising and reporting on on-going SME operations; measuring and analysing results, outcomes and impact of the SME operations

- Identify early warning signals in the portfolio and take adequate course corrective measures in a timely fashion

- Work with SMEs on acquiring required data and information on an ongoing basis for purposes of developing/refining internal risk models.

Product/Strategy/Process side

- Work with Head SME business on designing and conducting market research and analysis to understand implications to business and to identify new business development opportunities in line with organisation's strategy

- Identify new product opportunities and undertake feasibility analysis to quantify and forecast the likely impact and align the same with the business plan

- Assist with the development of and implement Northern Arc Capital's new product / Go -to - markets strategy in collaboration with relevant teams

- Facilitate the development of policies and processes to support implementation of new products within the bank including on the IT/digital platform

- Co-ordinate key internal and external stakeholder groups, including existing clients to test assumptions, and define/improve new products

- Contribute for development, implementation and continuous improvement of SME lending methodologies, risk management, strategy, systems, policies, processes and practices to support business planning pertaining to the SME sector

- Identifying potential collaborating partners for successful financing of SMEs and developing a leading knowledge database on SME financing solutions and best practices in risk management strategies

As Team Lead

- Supervise and Manage new client acquisition and relationship handling of existing pool of customers and co-own team targets on all parameters

- Define and implement team structure in alignment with the market and internal requirement

- Ensuring adequate monitoring of the clients/benchmarking with the industry/peers and responsible for the health of the portfolio.

- Ensuring rigorous tracking and analysis of financial and operational performance of clients on an on-going basis

- Supervising for development of direct network of promoter driven/ professional companies as clients in SME & mid Corporate business and service their requirement through team

- Supervising for development and maintenance of network of DMAs/partners/consultants for effective sourcing of transactions/clients