Website:
yes.bank.in
Job details:
SECTION II: ROLE SUMMARY
Chief Responsibilities
- Ensure quality Appraisal of credit for worthy borrowers.
- Ensure timely credit and transaction approvals for delegation under self.
- Follow up with seniors for credit / transaction approvals.
- Managing loan portfolio with respect to credit rating/quality.
- Identify de risk account / AL accounts.
- Monitoring of Team TAT and Productivity.
- Ensuring adherence to the credit policy and process.
- Review of Delinquency
- Review exceptions and approval for knocking.
- Respond on the Hindsight and Internal audit observations
- Conduct monthly Regional Council Meetings with all the stakeholders.
SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES
Strategic/ Managerial Responsibilities
- Discussion of observations with Seniors – ACH / RCH/ National Credit Manager and Chief Credit Officer
- Assessment of Credit Proposal / Case for his respective location / region
- Presentation of key observations to Senior Management on periodic basis
- Managing a team & drive the results/ goals set for self & Team.
Core Responsibilities
- Assessment of Credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal
- Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level
- Monitoring of delinquency, exceptions, portfolio movement.
- Maintaining data as required by the Senior Management
People Management Or Self-Management Responsibilities
- Active participation in process re-engineering related to product / process
- Collaborate with business, OSD & Policy team for any change in the process/policy.
- Self-driven, goal oriented & dynamic in nature.
Risk And Internal Control Responsibilities
- Identify the gaps in the process & highlights to the Senior Management
- Suggestion for changes in Policy
SECTION IV: KEY INTERACTIONS
Key Internal Interactions
Purpose of Interaction
Business Team
To interact with SM / ASM /RSM on day-to-day basis while cases assessment, monitoring delinquency
Policy Team
For clarification / guidelines as and when required
Key External Interactions
Purpose of Interaction
Customers
As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case
SECTION V: KNOWLEDGE & EXPERIENCE
KNOWLEDGE
Minimum Qualifications
- A CA/ MBA from a reputed institute
Professional Certifications
Language Skills
- Written and spoken English is essential
Experience
Years of Experience
Minimum of 3 to 5 years of work experience in credit evaluation in a Bank (Not NBFC)
Nature Of Experience
Credit Evaluation in any Bank
SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS
BEHAVIORAL COMPETENCIES
Core Competencies
Competency Name
Behaviors
- Product Knowledge
- Understanding Banking product, policies, loans.
- To be conversant with Auto Loan Products
- Professional Entrepreneurship
Should have proactive and constructive approach towards work
- Displays solution oriented and initiatives.
- Quality Focus
- Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work
- Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement
Leadership Competencies
Competency Name
Behaviors
- Lead and Develop people
- Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance
- Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority
- Coaches and mentors’ employees to develop required skills, provides developmental tools and provides continuous feedback and support
- Enables Change
- Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches
- Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition
- Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety
TECHNICAL COMPETENCIES
Technical Competencies
Financial Analysis and Market knowledge of industry segment
Click on Apply to know more.