Website:
yes.bank.in
Job details:
SECTION II: ROLE SUMMARY
Responsible for the CV & CE portfolio of the zone and manage a team of Regional Credit Managers & ensure team adheres to credit policy, processes & compliances
SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES
Strategic/ Managerial Responsibilities
- Understands the KPIs/goals and takes full accountability to deliver for the zone & overall team performance.
- To understand the management goals & align/ drive the team towards the target.
Core Responsibilities
- Setting up & Monitoring processes related to policy/process & timely decision on all applications being processed.
Monitoring of the portfolio, analysis of delinquent cases.
Reviewing QM cases & thereby sharing the learnings to the team.
Basis review to arrive with a definite corrective action plan.
- Liaison with industry peer banks & financial institutions to understand the market behavior.
- To look proactively at best practices across industries and businesses and try adapting them to own context.
People Management Or Self-Management Responsibilities
- To interact closely with other functions such as Sales /Operations/ CSS/ Collections in ensuring smooth delivery of objectives.
- To interact with stake holders and providing inputs on policy and processes
Risk And Internal Control Responsibilities
- Audit & regulatory compliance on all aspects stipulated by central team.
SECTION V: KNOWLEDGE & EXPERIENCE
KNOWLEDGE
Minimum Qualifications
- Postgraduate in regular stream or CA professionals with experience.
Professional Certifications
- Any additional certifications /analytical skill related shall be an added advantage.
- Good understanding of financial analysis, ratios, P&L, balance sheet accounts.
Language Skills
- Strong communication both oral & written in English with good negotiation skills.
Experience
Years of Experience
- Postgraduate /MBA or CA with min 15 yrs of team handling. Overall credit risk management & underwriting experience of more than 10 yrs.
SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS
BEHAVIORAL COMPETENCIES
Core Competencies
Competency Name
Behaviors
- Product Knowledge
- Understanding of CV, CE and HCF loans.
- 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
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