• Zonal Risk Head Jobs in Mumbai City

  • hCapital
  • Mumbai City
  • Save Job
  • 12 - 15 Years
  • Posted : above 1 month

Job Description:

1 Credit Risk Management
(a) Prepare and review credit applications made and provide assessment
(b) Conduct financial statement and business analysis for loan eligibility
(c) Preparation of applications in conjunction with the Risk Head for loan sanctions where loan amount is higher than ZCM sanction authority
(d) Manage Productivity, file processing cost within the budgeted levels
(e) Ensure processing of files within agreed Timelines
(f) Monitor key indicators on FPD, delinquency within designated portfolio

2 Business Risk Partnership

(a) Work in partnership with Sales teams on new and existing credit applications, providing guidance on credit appetite and other pertinent information prior to applications being made

(b) Proactively contribute to embedding agreed change management initiatives within sales teams in support of process improvement and policy development

(c) Support and contribute to specific projects as determined

(d) Act as a constant source of feedback to product and policy teams to aid in innovating the current product offering and launching new products

3 Wider Risk Management

(a) Support the Risk Head in identifying training and development needs of Vendors and initiation support staff in relation to policy & process
(b) Participate actively in general good credit governance initiatives and uphold highest standards of risk management
(c) Proactively contribute to embedding change management initiatives in support of process improvement and policy development regarding clients

4 People Management & Performance Management
(a) Identification, hiring , training and retention of the desired Credit staff at location, area & branch levels
(b) Implement the performance management system and culture as per the objective of the organization
(c) Implementing the monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured, reported, analyzed and improved

5 Governance & Compliance
(a) Implement processes as per policy
(b) Educate and train the team members on the policy requirement
(c) Ensure and check that policies and standards are being implemented at the ground level
(d) Ensure that the recommended process of appointment, management and review of Vendors is being followed
(e) Implementing the Fraud Control systems
(f) Ensure that branch / area is always Audit Complaint with internal and external policies and regulations
Desired Candidate Profile
1 Should have Exposure of Property backed & Asset based lending products
2 Should have knowledge about local industrial trend /Machineries
3 Basic knowledge of Legal aspect of the recovery unit

4 Chartered Accountant / MBA Finance, if adequate relevant experience is present

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Profile Summary:

Employment Type : Full Time
Industry : Recruitment Services
Salary : Not Disclosed
Deadline : 08th Feb 2020

Key Skills:

Company Profile:

hCapital
Established in 2007, hCapital is one of the leading Indian recruitment firms We operate through focused industry practice groups, each led by an experienced practice team leader We hire everywhere where our clients want us to, and we strive to offer our clients the fastest turnaround time they have ever experienced

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