Tata Capital - Senior Manager/AVP - Commercial Finance Risk

Department : Commercial Finance Risk

Grade : M4/M5

Proposed Immediate Superior : Head - Commercial Finance Risk/AVP Risk

Key Objectives of the Job :

- Proactively manage the risk in the Commercial Finance portfolio by giving leading indicators to the business to mitigate the risks.

- Ensuring timely response to the business in terms of analyzing proposals and providing value-added inputs.

Major Deliverables :

- Analyze counter-party risk, supplementing business appraisal and ensure timely credit decision

- Monitor the portfolio on an ongoing basis, highlight deviations and risk indicators.

- Research various industry developments & trends, and generate findings in timely research reports.

- Manage portfolio compliance with Basel II requirements.

- Managing various MIS requirements, interacting with business to obtain the same on a pro-active basis, and providing value-added outputs based on such MIS.

- Drive process improvements and controls

Job Challenge :

- Evolving business dynamics, External environment challenging, Working within defined TAT, interaction with multiple stakeholders

Specialized job competencies : Domain expertise in lending products, good communication skills

Soft skills : Conflict management, strong drive for results, innovative approach and open to ideas

Educational Qualification :

Academics : MBA with Finance, or CA

Desired Experience:

- 8-9 years in Credit Risk Management in a bank with experience in lending to SME/Corporates with products like Term loans, working capital finance, Structured Products, Channel Finance