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Head - Credit

10.00 to 20.00 Years   Delhi   29 Oct, 2024
A2Zee HR SOLUTIONS
Job LocationDelhi
EducationNot Mentioned
SalaryRs 42 - 60 Lakh/Yr
IndustryNBFC ( Non Banking Financial Services )
Functional AreaManagement Consulting / StrategyOperations Management / Process Analysis
EmploymentTypeFull-time

Job Description

    Key Responsibilities:Credit Strategy and Policy Development
    • Develop and own credit policy and performance for fleet
    • Develop, review, and implement comprehensive credit policies and strategies aligned to the organisational business goal and risk
    • Understand and implement various risk mitigation strategies, including creation of innovative and industry first
    • Ensure alignment of credit policies with regulatory guidelines and industry best
    • Assess and manage credit risk associated with lending activities, including evaluating borrower creditworthiness, collateral assessment, and industry risk
    • Implement risk management practices, risk analytics and models to optimize the balance between risk and
    Underwriting
    • Direct ownership of underwriting loans for electric vehicle fleets on a case by case basis
    • Develop underwriting rules based on company financial analysis, regulatory rules, risk assessment
    • Develop, review, and update underwriting policies and guidelines in alignment with industry best practices and regulatory
    • Ensure consistent yet customised application of underwriting standards across the organization for different kind of lending
    • Oversee the evaluation of loan or insurance applications to determine risk and make informed underwriting
    • Develop and implement risk assessment models, ensuring accuracy and
    Portfolio Management and Regulatory Adherence
    • Monitor the overall health of the credit portfolio, identifying trends, and making strategic recommendations to optimize portfolio
    • Implement strategies to address and mitigate portfolio
    • Keep track of changes in financial regulations and ensure that credit operations of the organisation comply with relevant laws and regulations.
    • Work closely with the compliance team to address any regulatory issues Process Optimization
    • Continuously evaluate and enhance credit application, approval, and monitoring processes for efficiency and
    • Integrate technology solutions and automation to streamline credit Reporting and Analysis
    • Prepare and present regular reports on credit portfolio performance, delinquency rates, and other key credit metrics to
    • Conduct in-depth analysis to identify emerging risks and opportunities for
    Qualifications and Skills:
    • 10 years of relevant experience in credit risk, underwriting, risk analytics with at least 3 years of experience in leading credit management function within an NBFC or financial
    • Strong analytical and quantitative skills with hands on experience in risk modelling and data analysis
    • In depth knowledge of regulatory frameworks and compliance requirement in Indian financial sector
    • Familiarity with technology solutions and data analytics in credit decision-making.
    • Excellent communication and interpersonal

Keyskills :
strategycreditmanagementbusiness transformation

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