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Vice President Credit

10.00 to 20.00 Years   Delhi   25 Nov, 2024
A2Zee HR SOLUTIONS
Job LocationDelhi
EducationNot Mentioned
SalaryRs 20 - 30 Lakh/Yr
IndustryNBFC ( Non Banking Financial Services )
Functional AreaAuditRisk / Underwriting
EmploymentTypeFull-time

Job Description

    Portfolio Management and Regulatory Adherence Monitor the overall health of the credit portfolio, identifying trends, and making strategicrecommendations to optimize portfolio performance. Implement strategies to address and mitigate portfolio risks. Keep track of changes in financial regulations and ensure that credit operations of theorganisation comply with relevant laws and regulations. Work closely with the compliance team to address any regulatory issues promptly.Credit Strategy and Policy Development Develop, review, and implement comprehensive credit policies and strategies aligned to theorganisational business goal and risk appetite. Ensure alignment of credit policies with regulatory guidelines and industry best practices. Assess and manage credit risk associated with lending activities, including evaluatingborrower creditworthiness, collateral assessment, and industry risk analysis. Implement risk management practices, risk analytics and models to optimize the balancebetween risk and reward.Underwriting Develop, review, and update underwriting policies and guidelines in alignment with industrybest practices and regulatory requirements. Ensure consistent yet customised application of underwriting standards across theorganization for different kind of lending products. Oversee the evaluation of loan or insurance applications to determine risk and make informedunderwriting decisions. Develop and implement risk assessment models, ensuring accuracy and relevance.Process Optimization Continuously evaluate and enhance credit application, approval, and monitoring processes forefficiency and effectiveness. Integrate technology solutions and automation to streamline credit operations.Reporting and Analysis Prepare and present regular reports on credit portfolio performance, delinquency rates, andother key credit metrics to investors. Conduct in-depth analysis to identify emerging risks and opportunities for improvementQualifications and Skills:10 years of relevant experience in credit risk, underwriting, risk analytics with at least 3years of experience in leading credit management function within an NBFC or financialinstitutions. Strong analytical and quantitative skills with hands on experience in risk modelling and dataanalysis In depth knowledge of regulatory frameworks and compliance requirement in Indian financialsector Familiarity with technology solutions and data analytics in credit decision-making. Excellent communication and interpersonal skills.

Keyskills :
audit compliancepolicy formulationcredit riskcredit

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