Register Here to Apply for Jobs or Post Jobs. X

Head-Credit&Risks

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.
Requirements:
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.
Apply for this Job Posting Here:
India-only applications: This Company / Employer has indicated that only qualified candidates currently living in India (and its citizens living globally) are being considered here for this position. Search Here for alternative jobs that match your location & skills.

To apply for this job, you need to provide some contact details for the employer or HR recruiter. Begin your free application by entering your email address (If already registered, you'll be asked to enter your password). Otherwise, you will initially need to enter some basic details with your first application.
Email Address Please enter a valid Email address.
How this Free Jobsite works - How to apply for jobs.
• To apply for any job, you must provide some contact details for the employer or HR recruiter. When you Register Here or Above with your first application (if you have not already done so), you will be asked to confirm your contact email address is valid via your email inbox.
• You will be asked to confirm a login password so to be able to make further applications in future visits.
• Once registered, you may also save CV / Resume summary details into the optional Resume format (This default format is easy for companies to read, and when available, it is sent as part of your application to a company to assist your application).
• Alternatively or additionally, you may attach your own original Resume document and 2 other supporting files as part of your application (Those files must be within the maximum combined size stated, and are not stored on this jobsite when you submit them).
• You must write or paste an introduction / cover letter into the application box.
• When you click the "Apply" button, your cover letter, Resume summary (if you have saved one on this site), contact details, and/or your own attached files are submitted as part of your application.
• Once you submit an application for any job on this site, it is solely the responsibility and decision of the company or employer you have applied to on whether they accept, review, process or respond to that application.
Search for further Jobs Here:
Location Job Location
Employment Category Job Category
Education (minimum level)
LOGIN Area - Jobsite