Job Description
Role - Regional Credit Head-Infra (Executive Vice President)
Reports to - Zonal Credit Head/Head of Credit
Location - BKC office , Mumbai
Team Size - 14
Direct Reportee - 3 Credit Manager
Business - Wholesale Banking
Segment - Credit
Product - Infra
Key Responsibilities:
Credit Risk Management:
- Conduct in-depth credit analysis for clients in Infra segment on Pan India basis for Wholesale Banking segment of the Bank
- Assess the financial health, business viability, and creditworthiness of clients.
- Evaluate proposals, ensuring compliance with internal credit policies and regulatory guidelines.
- Prepare and present credit proposals to the Credit Committee.
- Monitor the health of the portfolio, identifying trends, potential risks, and opportunities for improvement.
Portfolio Management:
- Manage and optimize the credit portfolio. Analyze and report on portfolio performance, making recommendations for adjustments to credit strategies as necessary.
- Track and report on portfolio performance, highlighting key trends and potential risks.
Regulatory Compliance and Governance:
- Ensure compliance with all regulatory guidelines and internal credit policies.
- Build and maintain strong relationships with key stakeholders, including business heads, relationship managers, and external partners.
Team Leadership and Development:
- Act as the primary point of contact for all credit-related matters to the portfolio.
- Engage with senior management and the Board to provide updates on portfolio performance and risk management strategies.
- Lead, mentor, and develop a national team of credit professionals, fostering a high-performance culture.
Innovation and Process Improvement:
- Ensure the team is equipped with the necessary skills and knowledge to effectively manage credit risks.
- Promote continuous learning and professional development within the team.
- Drive innovation in credit risk management practices, leveraging technology and data analytics.
- Streamline credit processes to enhance efficiency, reduce turnaround times, and improve customer satisfaction.
- Stay abreast of industry trends and best practices, adapting strategies as needed to maintain a competitive edge.
Education & Experience:
- CA- or Postgraduate degree in Finance, MBA from premier institute.
- Additional certifications in credit risk management or banking will be an advantage.
- Minimum of 15-20 years of experience in credit risk management, with at least 3-4 in people management role.
- Excellent knowledge of regulators related to Infra
- Prior experience in managing Infra portfolio preferred.
Skills & Competencies:
- Leadership - Ability to lead team
- Strategic Vision - Capability to develop and execute long-term credit strategies.
- Risk Management - Expertise in identifying, assessing, and mitigating credit risks
- Collaboration - Ability to work effectively with senior management and cross-functional teams.
- Integrity - Commitment to maintaining the highest ethical standards in all credit practices.
Reports to - Zonal Credit Head/Head of Credit
Location - BKC office , Mumbai
Team Size - 14
Direct Reportee - 3 Credit Manager
Business - Wholesale Banking
Segment - Credit
Product - Infra
Key Responsibilities:
Credit Risk Management:
- Conduct in-depth credit analysis for clients in Infra segment on Pan India basis for Wholesale Banking segment of the Bank
- Assess the financial health, business viability, and creditworthiness of clients.
- Evaluate proposals, ensuring compliance with internal credit policies and regulatory guidelines.
- Prepare and present credit proposals to the Credit Committee.
- Monitor the health of the portfolio, identifying trends, potential risks, and opportunities for improvement.
Portfolio Management:
- Manage and optimize the credit portfolio. Analyze and report on portfolio performance, making recommendations for adjustments to credit strategies as necessary.
- Track and report on portfolio performance, highlighting key trends and potential risks.
Regulatory Compliance and Governance:
- Ensure compliance with all regulatory guidelines and internal credit policies.
- Build and maintain strong relationships with key stakeholders, including business heads, relationship managers, and external partners.
Team Leadership and Development:
- Act as the primary point of contact for all credit-related matters to the portfolio.
- Engage with senior management and the Board to provide updates on portfolio performance and risk management strategies.
- Lead, mentor, and develop a national team of credit professionals, fostering a high-performance culture.
Innovation and Process Improvement:
- Ensure the team is equipped with the necessary skills and knowledge to effectively manage credit risks.
- Promote continuous learning and professional development within the team.
- Drive innovation in credit risk management practices, leveraging technology and data analytics.
- Streamline credit processes to enhance efficiency, reduce turnaround times, and improve customer satisfaction.
- Stay abreast of industry trends and best practices, adapting strategies as needed to maintain a competitive edge.
Education & Experience:
- CA- or Postgraduate degree in Finance, MBA from premier institute.
- Additional certifications in credit risk management or banking will be an advantage.
- Minimum of 15-20 years of experience in credit risk management, with at least 3-4 in people management role.
- Excellent knowledge of regulators related to Infra
- Prior experience in managing Infra portfolio preferred.
Skills & Competencies:
- Leadership - Ability to lead team
- Strategic Vision - Capability to develop and execute long-term credit strategies.
- Risk Management - Expertise in identifying, assessing, and mitigating credit risks
- Collaboration - Ability to work effectively with senior management and cross-functional teams.
- Integrity - Commitment to maintaining the highest ethical standards in all credit practices.
💡 Quick Summary
Seeking a career-building opportunity? The Executive Vice President - Regional Credit Head - Infra - IIM/FMS/MDI/XLRI/CA position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
