Head - Commercial Risk & Underwriting
Head - Commercial Risk & Underwriting
Posted on :
20-08-2025
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1 Vacancy
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Job Description
Responsible for monitoring and managing risk for loans for commercial businesses of BFL through refinement of credit policy and internal lending guidelines portfolio management; transaction due diligence through qualitative and quantitative assessments
review
Monitor and review portfolio quality of the businesses and take periodic corrective actions on policy to maintain quality aligned with AOP
Conduct periodic review of functional metrics of department to assess performance quality team productivity identify areas of gaps and plan/monitor actions with the team
Review/ realign the policies based on business requirements related to business growth actions (e.g. geographic expansion)
Assess manpower requirements in the function to meet the dynamic and high growth business requirements
interactions
Engage with the business to better align with the business and set priorities
Highlight risks defend and provide justifications to business team on the risk evaluations and to protect business interest; Hold independent view on transactions account and industry while being aligned to business growth agenda
Regularly review the ongoing cases under assessment and share updates with the Business Head
Lending Operations
1)Compliance and Controls
Lead timely circulation of daily dashboards and address any issues faced by the team during execution
Actively track the daily dashboard for the metrics (disbursement release of shares etc.) to identify and report any exceptions for commercial operations for CL and LAS businesses
Guide team to conduct RCA on exceptions identified resolve escalated issues that are complex in nature and few past precedents (both with respect to customers and process) and draft way forward
Drive adherence to statutory compliances by team members and vendors; address issues
Engage with the business to understand reasons for deviations/ exceptions priorities client perspective etc. and take actions
Review the functional metrics (internal and vendors) on a monthly bases to ensure smooth operations and resolve issues
Resolving escalated issues that are complex in nature and few past precedents (both with respect to customers and process)
2)Process Improvement and Cost Management
Quarterly prioritize existing process that have an opportunity to reduce TAT or minimize costs and implement relevant improvement
For improvements with high impact/cost outlay prepare business case and partner with PMO team to plan way forward
Periodically review implementation of existing improvement initiatives pertaining to area of work
Assessment
Apply internal credit guidelines evaluate various aspects of individual cases such as margins size of the company balance sheet ratios credit ratings etc.; Review company financial performance/ratios and industry analysis
Review case and propose suitable mitigants to increase security and reduce risk; Evaluate and approve the case; Put up cases for the recommendation of the Senior Head Commercial Risk & Underwriting to take up the case for approvals beyond DoA to Credit Committee (ERO CCO BH) MD and development
Participate in recruitment process to identify the right talent for various positions within the team
Establish individual performance expectations and regularly review individual performance of the team
Identify and create development opportunities conduct trainings for team members to enhance functional knowledge
Following decisions are taken by the role:
Transaction/ case prioritization
Approving/ declining the transaction / case as per delegation of authority
Managing transaction assessment along with portfolio management
a)Qualifications
Post-graduation
b)Work Experience
Minimum 18 years of experience
Should have experience in commodity financing client management and internal / external stakeholder management
Employment Type
Full-Time
Key Skills
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