Credit Manager

Yes Bank (Visakhapatnam, AP, India) 25 days ago

Job Description :

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.


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

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

Minimum of 3-5 years of work experience in relevant product of retail banking withChartered Accountant / MBA FinanceQualification.
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