Vertical Head- Large Ticket-SME Credit - SVP 1

Job Title : (Job Name) Vertical Head- Large Ticket-SME Credit

Business Unit (PA) :   Wholesale Credit-SME

Team : (Sub team in the PA)   SME Credit

Reports to (job) :   Head-Large Ticket Underwriting-SME Credit

Location of role : Main Credit hubs

Job Fn : Credit

Role Type:   Supervisory Role

No of direct reportees: 4-8

Travel Required: Medium

Job Band- D3-D4

JD Created date: 17-11-2022

JD Updated date : 17-11-2022

JD approved by (business) : Shital Khanna(S8031)

Version No : 1.0

Job Purpose

·        Ensuring portfolio build up with proper assessment and underwriting of proposals. Industry and market parameters and other macroeconomic factor to be taken into account while underwriting

·        Unit Portfolio build up to be ensured by maintaining credit quality and following the laid down credit policy  

·        Unit TAT need to be monitored and ensured within defined benchmark                                                                                                                                                   

·        Regular review of deferrals, delinquency, stock audit and watchlist/ exit accounts to be done

·        Collaboration with other stakeholder such as operations, audit, compliance to be done at regular interval

·        Suggestions and implementation of policies on credit underwriting and portfolio management

·        Portfolio quality to be maintained by developing a team having consistency in credit decision and complying the credit process.

·        Early identification of exit/weak accounts and timely exit of these accounts in liason with business team to maintain pristine quality of books

·        Portfolio to be managed in a desired manner with negligible addition in NPA level.

Job Responsibilities(JR) : 6 – 8 Areas

Actionable (4-6)

Risk / Portfolio Management – Working Capital Products

·        Early Delinquency and Mortality to be under control

·        NPA % should be minimal

·        Housekeeping under control

·        Watchlisted / Exit accounts are under control

TAT Management

·        Ensure Credit TAT within benchmark

·        CPA TAT should be under control

·        Ensure joint efforts with business for achieving E2E TAT

Management of stress accounts

·        Identification of EXIT and adhere to EXIT plans

·        Follow-up for Pot NPL a/cs for regularization

·        Controlling a/cs with lowe behavior score band

.

MIS Analysis

·        Monitoring TAT for the area and review improvements with the team

·        Ensure every team member achieves productivity and TAT benchmarks

·        Analyze the portfolio for delinquency, slippages etc

People Management

·        Regular feedback given to team on performance & improvements

·        Guiding team for their career growth

·        Ensure appropriate training for reportees

·        Ensure team work with other stakeholders

Process Deliverables

·        Reduction of wastages by fortnightly review

·        Healthy discussion with the other stakeholder to ensure faster decision and smooth functioning

·        Ensure adequacy and smooth functioning of vendors

Educational Qualifications (examples listed below)

Key Skills (examples listed below)

·        Chartered Accountant

·        MBA from reputed Institute

·        Banking Product & Process Knowledge

·        Communication

·        Knowledge of Industry

·        Analytical Ability

Experience Required (examples listed below)

• Minimum experience in years – 10- 15 yrs

• Exposure to banking preferable

Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) (examples listed below)

·        Customers

·        Branch Banking Team

·        Operations

·        Business Teams

·        Audit /   CRU