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  • 15 - 20 Years
  • Posted : above 1 month

Job Description:

We have been retained by our client, a well-established, professionally managed NBFC (Non-Banking Finance Company), with international affiliations to identify a Vice President -National Credit (Personal Loan/ Business Loan) to be based in Mumbai

Job Purpose

- To control credit policies that will improve revenues and reduce financial risks

- To manage the credit department and make decisions concerning credit limits, acceptable levels of risk and terms of payment to the customers

Key Responsibilities

- Appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning / disbursing loans, ensuring compliance with organizational credit policies

- Setting up system and process environment

- Analyze the customer segments & derive a suitable strategy

- Oversee the entire lending process, including the initial application and review, underwriting and the disbursal or denial of the request

- Implement credit policies and processes to uniformly across state to ensure minimum error rates while minimising the various risks & hence the eventual losses

- Continuous tracking of loan portfolio, look for any negative trends

- To co-ordinate with sales team for resolution of credit risk concerns

- Make recommendations and decisions with strong factual support and a balanced view

- Contribute to the development of risk strategies for sustainable business growth and healthy portfolios

- Generating MIS reports to update management about business performance and discussion on Effective Measures as and when needed

- Analysis of Bank Statements and other relevant documents for income assessment

- Meet customers and do business and income earning capacity as per the Credit Manual & Guidance Notes

Desired Skills/Competencies

- Strong analytical and mathematical skills

- Ability to understand and analyze the financial standing of the customer while preparing the credit requirements

- Sound Decision making on loan proposals based on available information, Customer documentations and financials, various credit checks, market feedback and Interaction with customer

- Thorough understanding of credit function

- Strong writing, Excel and presentation skills

- Highly reliable, flexible and self-reliant personality with good intercultural skills

- Team Player

- Excellent reporting skills

Candidate Profile

Candidates should be Chartered Accountants or MBAs with more than 15 years of relevant experience in a bank/NBFC

Profile Summary:

Employment Type : Full Time
Salary : Not Mentioned
Deadline : 11th Mar 2020

Key Skills:

Company Profile:

Not Mentioned

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