Cluster Head-Credit- SME

Roles and Responsibilities:

Managing Training and developing the team of Credit Analysts with regular monitoring.

Credit Appraisal and Periodic Review of Large Credit Proposals mainly SME Loans / WC/ Machinery / SCF.

Portfolio Monitoring of Large Exposure Customers including tracking developments in the industry identify stresses early and work with business teams in devising appropriate mitigation strategies as and when required.

Maintaining Defined Credit TAT end to end to better service both internal and external customers.

To interact with the business teams proactively to assess the main risks and propose mitigates at various stages of credit process.

Suggesting policy changes or developments.

• Active Participation in discussions with customer during review/approval process.

Advisory to the Branches to comply the requirements related to Guarantee Collateral other covenants based on the credit risk associated.

Coordinating with Branches and other internal team for documents requirements for smooth flow of process and approvals.

Preparation of Trackers and Reports as required.

Training the Branches with reference to Credit Process Financial Analyses and sharing of industry update.

Initiatives related to process improvement.

Skills Required:

Product and Market Knowledge experience in handling credit for SME/SCF/MTL/WCL products for minimum 10 years.

Team Managing Coaching and Training Skills

Working knowledge of MS Office.

Education Requirements: Graduate / Post Graduate from reputed institute CA ICWA professional qualification

Work Experience: 4 8 years in the Banking / NBFC domain.

Remote Work :

No