Role Purpose
The Credit Lead will be responsible for driving prudent credit underwriting, portfolio quality, and TAT management for LAP proposals within the SME business. The role involves evaluating borrower creditworthiness, assessing business and property risks, ensuring policy compliance, and supporting business growth through sound credit decisions.
Key Responsibilities
Credit Assessment & Underwriting
- Evaluate LAP proposals sourced through SME sales channels.
- Conduct detailed financial analysis of borrowers, including review of financial statements, bank statements, GST returns, Income Tax Returns (ITR), and cash flow assessments.
- Assess borrower repayment capacity, business viability, and overall credit risk.
- Analyse property valuation reports, legal opinions, title documents, and collateral adequacy.
- Structure credit proposals considering borrower profile, cash flows, collateral coverage, and risk appetite.

Credit Decisioning
- Approve or recommend credit proposals within delegated authority limits.
- Ensure adherence to internal credit policies, risk guidelines,



regulatory requirements, and audit standards.
- Identify and mitigate risks through suitable loan structuring, covenants, and monitoring mechanisms.
- Escalate exceptions and high-risk cases with appropriate recommendations.

Stakeholder Management
- Partner closely with SME Business, Sales, Credit Operations, Legal, Technical, and Collections teams.
- Provide guidance to sales teams on credit requirements, documentation, and policy interpretation.
- Participate in customer discussions and site visits, where required, for complex cases.

Portfolio Risk Management
- Monitor portfolio quality, delinquency trends, and early warning signals.
- Support portfolio reviews and identify sectors/accounts requiring enhanced monitoring.
- Drive corrective actions for stressed accounts in coordination with Risk and Collections teams.
- Ensure portfolio growth aligns with acceptable risk parameters.

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📌 Vice President, Team Lead, LAP Credit, Small Medium Enterprises (Mumbai)
🏢 DBS Bank
📍 Mumbai