Credit Manager - Retail Banking Risk (CV & CE) @ YES Bank, Gandhidham

Job description

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 People Management • To interact closely with other functions such as Sales /Operations/ CSS/ Collections in ensuring smooth delivery of objectives. • Vendor management: To manage all risk vendors such as CPV, PD, CPA vendor and in-house CPAs wherever available. • Impart regular training and share feedback to improve quality.