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Credit Manager

Employer
Yes Bank Ltd
Location
Chennai, IN
Salary
Competitive
Closing date
Oct 23, 2019

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Job Role
Credit Control
Sector
Finance
Contract Type
Permanent
Hours
Full Time
Credit Manager - ( SEB00000A ) Description Core Responsibilities Appraises /recommends/ approves credit proposals as per the delegation of authority. Reviews delinquent cases and document learnings / 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 CPAs(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. SECTION IV KEY INTERACTIONS 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 Customer 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 Primary Location India-Tamil Nadu-Chennai Work Locations Noc Chennai INCUBATION CENTRE TOWER-B, ONE INDIABULLS PARK, CHENNAI 600053

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