Credit Manager

YES BANK


Date: 3 weeks ago
City: Lucknow, Uttar Pradesh
Contract type: Full time
SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Strategic/ Managerial Responsibilities

  • NA

Core Responsibilities

  • Appraises /recommends/ approves credit proposals as per the delegation of authority.
  • Reviews delinquent cases and document learning’s / portfolio reviews for risk management.
  • Conducts process audits and reports delinquencies and anomalies.
  • Recommends changes to policy/process based on local nuances / competitor feedback.
  • Implements system integration plans.
  • Monitors NPA and keeps a track of it.
  • Ensures field customer visits for PD and deliveries within agreed TAT.
  • Managing all CPA’s(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team.
  • Ensures maintenance of Healthy Portfolio for the bank.
  • Makes customer visits wherever required to ensure appropriate closure of the deal.

People Management Or Self-Management Responsibilities

  • Manages CPA Team.
  • Imparts Training and knowledge sharing

Risk And Internal Control Responsibilities

  • Identifies process and policy gaps and potential risk arising out of it.
  • Suggests internal control measures and ensure implementation to address such gaps.

SECTION IV: KEY INTERACTIONS

Key Internal Interactions

Purpose of Interaction

Business Team

For documentation requirement, understanding of customer profile and other discussions which helps in arriving at the decisioning of the deal

Policy Team

For understanding the policy, seeking clarifications, advising modifications, wherever required

Process Team

For correction of process gaps noticed during appraisal of the loans

Technology Team and HCM

For system related changes, correction of bugs, system errors etc. Manpower Planning.

Key External Interactions

Purpose of Interaction

Customer

To understand the profile of the customer, his income, obligations etc

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum Qualifications

  • Bachelors in Commerce

Professional Certifications

  • Chartered Accountant / MBA Finance

Language Skills

  • Written and spoken English is essential

Experience

Years of Experience

Minimum of 3-5 years of work experience in relevant product of retail banking

Nature Of Experience

Credit Appraisal of Retail Loans

How to apply

To apply for this job you need to authorize on our website. If you don't have an account yet, please register.

Post a resume

Similar jobs

Branch Sales Manager-Affordable Home Loans ( MBL)

IDFC FIRST Bank, Lucknow, Uttar Pradesh
7 hours ago
Job RequirementsJob Requirements Role / Job Title: Branch Sales Manager- Affordable Home Loans (MBL)Function/Department: SalesJob PurposeThe role entails scaling up and growing the customer base for the branch. It also entails developing constructive relationships with customers and working closely with them to boost volume of business across geographies by establishing a strong foundation with them as their financial partner of...

Assistant Professor - Management/Commerce in Lucknow

Saroj Education Group, Lucknow, Uttar Pradesh
2 weeks ago
Key Responsibilities Deliver high-quality lectures and engage students in interactive learning. Develop and update course materials as per industry trends. Conduct research and publish in reputed journals.About Company: Saroj Institute of Technology and Management was established in the year 2001 and has strived to provide the best engineering education to its students through well-qualified and dedicated faculty and the provision...

Security Manager

Mercure Hotels, Lucknow, Uttar Pradesh
3 weeks ago
Company DescriptionJoin us at Accor, where life pulses with passion!As a pioneer in the art of responsible hospitality, the Accor Group gathers more than 45 brands, 5,600 hotels, 10,000 restaurants, and lifestyle destinations in 110 countries. While each brand has its own personality, where you will be able to truly find yourself, they all share a common ambition: to keep...