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Hiring for Credit / Risk

2.00 to 5.00 Years   Chennai   08 Nov, 2019
hCapital
Job LocationChennai
EducationNot Mentioned
SalaryNot Disclosed
IndustryRecruitment Services
Functional AreaFinance / Accounts / Tax
EmploymentTypeFull-time

Job Description

1. Credit Risk Management

  • Prepare and review credit applications made and provide assessment Conduct financial statement and business analysis for loan eligibility.
  • Preparation of applications in conjunction with the ZCM for loan sanctions where loan amount is higher than CM / ZCM sanction authority
  • Manage Productivity, file processing cost within the budgeted levels Ensure processing of files within agreed Timelines.
2. Business Risk Partnership
  • Work in partnership with Sales teams on new and existing credit applications, providing guidance on credit appetite and other pertinent information prior to applications being made
  • Proactively contribute to embedding agreed change management initiatives within sales teams in support of process improvement and policy development
  • Support and contribute to specific projects as determined
  • Act as a constant source of feedback to product and policy teams to aid in innovating the current product offering and launching new products
3. Wider Risk Management
  • Support the ZCM in identifying training and development needs of Vendors and initiation support staff in relation to policy & process.
  • Participate actively in general good credit governance initiatives and uphold highest standards of risk management.
  • Proactively contribute to embedding change management initiatives in support of process improvement and policy development regarding clients
4. People Management & Performance Management
  • Identification, hiring , training and retention of the desired Credit staff at area & branch levels
  • Implement the performance management system and culture as per the objective of the organization
  • Implementing the monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured, reported, analyzed and improved
5. Governance & Compliance
  • Implement processes as per policy.
  • Educate and train the team members on the policy requirement
  • Ensure and check that policies and standards are being implemented at the ground level
  • Ensure that the recommended process of appointment, management and review of Vendors is being followed.
  • Implementing the Fraud Control systems
  • Ensure that branch / area is always Audit Complaint with internal and external policies and regulations
6. Customer Service
  • Create a customer centric culture
  • Implement, measure, monitor and control parameters that improve customer experience
Desired Candidate ProfileKnowledge & Skills Required
  • Should be able to manage sales & collection function of the branch
  • Should have Exposure of Property backed & Asset based lending products
  • Should have knowledge about local industrial trend /Machineries
  • Basic knowledge of Legal aspect of the recovery unit
  • Should have corporate sales exposure
  • Work Experience of more than 2-5 years
  • Qualification: Preferably Chartered Accountant / MBA Finance, if adequate relevant experience is present.
,

Keyskills :
management collection sme quality basic focus general aspect audit act accounting risk systems ecretary business company analysis

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