Role: Credit Manager

BU: Credit Risk Management

SBU: Retail Banking Risk (CV & CE)

Ticket Size: 10L to 2 Crores

Location: Gandhidham

Roles & Responsibilities:

Strategy and Planning
- Understands the KPIs/goals and takes full accountability to deliver.
- Responsible in decision making within the stipulated timelines.

Policies, Processes & Compliance
- Credit delegation authority to be exercised with all due diligence within the policy framework.
- Adherence to the defined policy/process & timely decision on all applications being processed.
- Interpretation of credit bureau reports, dedupe checks, assessment of financial statements, plotting financial tools/spreadsheets & evaluate financial ratios, analysis of bank statements, ascertain existing liability of applicant and overall arriving the financial eligibility in line with the policy.
- To ensure all loan applications are processed within the defined turn-around time [TAT].
- Increase the efficiency of underwriting by reducing rework and increasing FTR in all the activities carried.




- Follow up with sales counterparts for pending cases to ensure both credit TAT and E2E TAT are met as defined by the senior management.
- To check data entry quality is intact and error rate is minimal; periodic feedback to be shared with data entry vendors/ respective team.
- To conduct customer tele verification / physical visits- personal discussion with applicants to understand the profile, business model, requirement, end-use, seek clarification if any, etc.
- To keep track of market factors & identify the impact on credit portfolio, & decisioning.
- To keep focused on creating high-quality portfolio.
- Ensuring proper covenant management is done.

Risk and Internal Control Responsibilities
- Audit & regulatory compliance on all aspects stipulated by central team.
- Credit quality: Ensuring Nil PAR errors and Nil QM cases.
- Credit authority delegation to be exercised without any instance of transgression of powers

Peopl

📌 Credit Manager (Gandhidham)
🏢 Yes Bank
📍 Gandhidham