Yes Bank Ltd
Credit Manager - ( RB 00008Y )
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
For documentation requirement, understanding of customer profile and other discussions which helps in arriving at the decisioning of the deal
For understanding the policy, seeking clarifications, advising modifications, wherever required
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
To understand the profile of the customer, his income, obligations etc
Minimum of 3-5 years of work experience in relevant product of retail banking
Primary Location : India-Tamil Nadu-Chennai
Work Locations : Chennai 2
Gr. Floor Dass India Tower Second Line Beach Rajaji Salai Chennai Tamilnadu- 600 001
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