• Credit Manager Jobs in Chennai,India - 25180170

  • Yes Bank Ltd

Job Description:

Credit Manager - ( RB 00006X )

Description

Credit Risk Management of Retail loans portfolio

Simplification of processes through automation and digitization projects

Strengthening Systems, Controls & Processes for robust compliance

Superior & Consistent Customer Service Core Responsibilities

Portfolio quality

Ensuring the portfolio quality within the Risk appetite

Designing product specific strategies on the basis of historical performance data

Portfolio Review and Management

Standardize the credit monitoring for portfolio risk management

Establish trigger mechanism for portfolio risk management and monitor the trigger Breaches

Portfolio level tracking of various risk parameters to foresee the risk trend

Proactively align risk strategies with business to decide on which portfolio to grow, cut back or modify

Adhere to product specific timely renewals of portfolio triggers and monitoring of shape of portfolio by segment with performance

Design and execute digital solutions for the unit, with the help of technology unit

Monitor actual loss vs forecasted loss on the portfolio, on regular frequency

Assist in development of the product construct , credit manual and development /usage of application score cards

Assist in implementation of appropriate software systems and in training to the underwriting team

Conduct / supervise process audits (including Post Approval Reviews) to monitor performance

Competitive benchmarking, Vendor management, Bureau Relationship

Regular engagement with competitors, stakeholders, Bureau, Manufacturers, Developers, vendors to align to changes in lending environment

Usage of Bureau for portfolio management and undertake policy decisions on basis of Bureau insight of market People Management or Self-Management Responsibilities

Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year

Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively Risk and Internal Control Responsibilities

Follow Bank policy and processes to mitigate the operational, regulatory, financial, informational, and reputational and audit risks as instructed by departmental manager

To improve credit hygiene parameters with a view to mitigate the risk and to ensure timely documentation

Qualifications

Competency Name Behaviors

Quality Focus

Should have commitment to quality & continuous improvement

Drive for Results

Should be action oriented and demonstrate resilience

Influence & Impact

Should be able to influence others and build relationships

Professional Entrepreneurship

Should take initiative and be accountable

Should display Design, Innovation & Creativity-led Entrepreneurship (DICE)

Customer Focus

Should be able to anticipate customer needs and ensure customer delight

YES Personality

Professional grooming, positive attitude & holistic wellness

Primary Location India-Tamil Nadu-Chennai

Work Locations Chennai 2

Gr Floor Dass India Tower Second Line Beach Rajaji Salai Chennai Tamilnadu- 600 001

CHENNAI 600001

Job Credit Manager

Organization Risk Management

Schedule Regular

Shift Standard

Job Type Full-time

Profile Summary:

Employment Type : Full Time
Eligibility : Any Graduate
Industry : Banking
Functional Area : Banks/Insurance/Financial Services
Role : Risk/Credit/Economic Analyst
Salary : As per Industry Standards
Deadline : 20th May 2020

Key Skills:

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