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Job in India
Posted by Indelmoney Pvt LTD
Full Time position
Listed on 2019-05-25
Job specializations:
  • Finance
    Financial Advisor, Financial Manager, Risk Analyst, Finance Graduate
  • Banking
Job Description & How to Apply Below
Job title: Head-Credit & Risks
We are looking for a Head-Credit & Risks, experienced in a mid- level financial-management role, partnering with Top Management Team, resulting in the development and implementation of creative financial Management Strategies.  
Location: Kochi, Kerala.
a) MBA / Post Graduation in Finance or CA / ICWA
b) Working with Banks, NBFCs, Rating Agencies or Venture funds and exposure to MSME / SME / TL funding would be preferable.
d) Approximately 8-12 years of proven track record in similar roles.
Responsibilities –
• Credit processing of lending cases:- The profile would work as a funnel above the relationship manager and the credit manager. It would include delegated credit authority.
• The work involves managing a team of risk managers / associates / senior associates, to assess credit risk and suggest structures / solutions for mitigating identified risks in the proposals to be put up to sanctioning authorities.
• Overall responsibility for the credit management function and oversee the underwriting / credit control of all loan files.
• Assist in the development of a new lending platform and assist in establishing and updating all lending policies & guidelines.
• Monitor performance of the loan portfolio and report to the Executive Management Team on a periodic basis.
• Credit Assessment:- Assessment of companies by doing periodic data analysis, visits with the clients - sites so as to ensure that the quality of portfolio is maintained at optimum levels. - Predicting tracking and raising triggers by following sound risk management protocols and adhering to regulatory requirements. - Initiating any internal and external actions required to manage risks within defined levels at all times would also be required.
• Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks - Highly entrepreneurial role working for a fast-growing early stage organization in a start-up environment, providing an opportunity to work on many new initiatives on the senior management agenda.
• Underwrite and approve MSME / SME / TL Cases for respective geography and mapped relationship teams as per delegation.
• Monitor and manage the portfolio credit quality, compliance score card and Early Warning System.
• Manage the technical legal evaluation process in the organization.
• Deviation approvals and documentation validation report.
• Contribute to various Credit / Risk initiatives at the Risk steering committee of the organization
• Responsible for appraising & assessing risk for loans under M/SME / TL.
• Finalizing local policies in the respective market and setting up processes for quality under writing
• Maintain Credit Score Card, Risk Analysis and key credit policy making.
• Appraise proposal to higher authority with merits, demerits & risk involvement after personal visit.
• Communicate with operation to resolve disbursal issue.
• Maintain TAT as per norms.
• Dealing the CAD for each subordinate.
Position Requirements
Masters,   9 to 10 Years work experience
Contact Information
Contact Name: Indelmoney Pvt LTD
Preferred method of contact: Email with CV via Application Box below.
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