AVP & Lead, Credit Management, Retail & Consumer Goods

Key Accountabilities

• Actively participate in client relationships through client visits, conference calls as part of transaction origination structuring.
• Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products, industry, sector, geography and counter party.
• Advises Relationship Managers on the risk factors associated with complex transactions and the clauses imperative in mitigating these.
• Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage and Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
• Ensures that appropriate Target Market Risk Acceptance Criteria and Credit Policy guidelines are followed as part of approval process.
• Conduct and where appropriate guide a team of analysts to conduct robust credit analysis and obtain appropriate approvals.
• Ensures timely availability of required information to Head of Credit or Unit Head for credit decision making.
• Guides Coverage and Product teams on credit appetite and ways and means to optimize the same to achieve optimal risk–reward balance as per established guidelines.
• Coordinate with internal counter parties (CAD, Legal, etc.) to provide guidance on risk assessment, risk rating and documentation.
• Ensure accuracy of data being presented to various stakeholders including senior management. Obtain accurate and current information and update the Risk systems, Risk rating models, collateral management system etc. that allow for accurate identification of risk profiles/ratings in all asset categories.
• Recommend amendments to the Bank's credit policy, procedures, risk rating models, credit memorandums, risk criteria etc. based on lending experience and market expediencies ensuring it is aligned with overall Bank's risk strategy.
• Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented.

• Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio.
• Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
• Ensures credit processing and approval turnaround times as per agreed SLAs with Business Segment.
• Periodic meetings, conference calls with clients to be undertaken along with RMs for prospective and existing clients.
• Monitors accounts regularly and follows up with Business units on terms and conditions to ensure compliance with the approval conditions.
• Ensures all excesses, exceptions, overdue annual reviews, covenant deficiencies, ensuring current collateral valuations and deficiencies in terms and conditions vis‑vis lending portfolio are monitored, controlled and addressed.
• Oversees the mark‑to‑market revaluation and margin monitoring process and liaises with the respective RMs to rectify any margin‑call situations.
• Reviews exception and portfolio reports as applicable and keeps abreast of the clients' account conduct, financial standing and latest developments occurring in their respective segment market so as to provide appropriate recommendations related to change in risk appetite, ratings, classification.
• Monitors early warning indicators in order to identify potential problem accounts and liaises with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
• Manages problem credits closely and recommends appropriate strategies and remedial action plans.
• Identifies defaulters and recommends immediate remedial arrangements for maintaining a quality credit portfolio.
• Ensures asset classification and provisioning is in line with statutory and policy guidelines including any risk downgrades.
• Provides senior‑level advisory support on credit policies, lending structures, documentation and guidance to business heads units in managing complex…