Dy Vice President Asst Vice President - SME Policy Manager with Large Private Bank

Job Purpose

Credit Policy Management SME

Job Responsibilities

Credit Policy Management

• Formulation evaluation and approval of SME Credit Policies and Procedures Manual (CPPM) and related processes.

• Addressing Compliance & Audit Requirements through necessary Policy amendments.

• Monitoring alignment of underlying credit strategies / product programs developed by Credit Team with the overall risk appetite of the Bank and the norms defined under CPPM.

• Evaluation of subproducts/ variants / amendments proposed to be introduced in terms of their alignment with the CPPM

• Reviewing robustness of control mechanism put in place for Policy checks configured into the decision management platforms.

• Periodical structured review/ monitoring of performance of credit policies in terms of portfolio quality.

• Regular structured Credit Monitoring at specific account level.

• Coordinating with internal model validation team for time bound review of application / behavioural Score Cards if any and initiate timely risk action.

• Engaging with stakeholders such as Credit Team and providing them actionable feedback / suggestions on necessary tweaking of underlying credit strategy norms.

RBI & Regulatory Compliance

Address the RBI and regulatory audit observations around credit policies

Educational Qualifications CA / MBA

Key Skills

• Indepth understanding and handson experience of credit policy management of Secured / Unsecured Products falling under SME segment.
• In depth understanding of related control processes.
• Knowledge of Competition & Current trends in the given lending segment.
• Updated knowledge of regulatory dispensations around the given products.
• Basic statistical acumen
• Technical skill sets to churn large volumes of data.
• Communication articulation and presentation skills.
• Proficient operating knowledge of MS Office specifically excel PowerPoint & word

Experience Required

• Minimum experience in years 5 years if pass out from Tier 1 Institutes / 8 years for other institutes.
• Exposure to Credit Risk or Policy management/ Portfolio Risk Management/ Credit Monitoring of SME / Wholesale Products in large lending institutions / Banks

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