24 Sep
Yes Bank
Mumbai Suburban
Description
Responsible for the regions mortgage loan portfolio, should handle both products prime SBL and prime HL seamlessly.
Manage a team of credit managers & ensure team adheres to credit policy, processes, and needs to handle transactions that comes under the purview of RCM as per the credit authority delegation matrix.
Strategic/ Managerial Responsibilities• To lead a team of credit managers to ensure building quality portfolio and manage delinquency.
- Understands the KPIs/goals and takes full accountability to deliver for the region & overall team performance.
- To understand the management goals & align/ drive the team towards the target.
- To control operational and credit cost. Rationalize various components of cost viz.
CPV, CPA, Valuation etc. Initiative on cost saving taken on FI waiver, per FI cost, Valuation etc.
- To underwrite cases keeping in mind the Banks risk policies, risk appetite and quality of portfolio to be maintained.
- Ensure faster delivery within TAT and with satisfaction of customer requirements.
- To adhere Yes Personality and policy of the bank.
Purpose of Interaction
Business Team
- Follow up for pending documents /query management.
- Monitoring of FTR logins.
- Accompany them for channel/branch visits to understand their sourcing pattern, model.
- To impart training on policy to their DSAs / DSTs wherever required.
- Review on approvals, rejections and SUD conversion.
Policy Team
- To seek clarification wherever required.
- To share feedback on policy parameters basis our underwriting.
- To share market alert on fraud/setup-companies.
- To share feedback on some particular segment in their geography.
- To Share location specific industries, profile, collateral related feedback Customers
Portfolio management:
- Monitoring of the portfolio,
analysis of delinquent cases.
- Profiling of customers with data cuts.
- Highlight early warning signals
- Reviewing QM cases & thereby sharing the learnings to the team.
- Basis review to arrive with a definite corrective action plan.
- Executive corrective action plan with all control measures.
- Track deviations and correlate between deviations & delinquency.
- Review PAR observations with close coordination with PAR team and training to credit managers on hygiene items.
• Co-ordinating and arrange & conduct training to credit managers on credit scrutiny, changes in policy, other regulatory requirements, process adherence/reiteration etc.
• Liaison with industry peer banks & financial institutions to understand the market behavior.
• To look proactively at best practices across industries and businesses and try adapting them to own context.
• Co-ordinating with external agencies which includes CPV, PD and sourcing channels.
• Impart training on changes related to processes, regular feedback towards overall improvement of their performance, TAT deliverables, data entry quality etc.
Minimum Qualifications
- CA professionals, MBAs or Postgraduate in regular stream with experience.
Professional Certifications
- Any additional certifications /analytical skill related shall be an added advantage.
- Good understanding of financial analysis, ratios, P&L;, balance sheet accounts.
Language Skills
- Solid communication both oral & written in English with good negotiation skills.
Years of Experience
- Postgraduate /MBA or CA with min 10 yrs of team handling & multiple branch handling experience.
- Overall credit risk management & underwriting experience of more than 10 yrs.
📌 Regional Credit Manager- Prime HL, LAP, Mortgage
🏢 Yes Bank
📍 Mumbai Suburban
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