Job Description
YES BANK
Head Credit Risk Retail and SME
YES BANK • Mumbai, Maharashtra • via LinkedIn
6 days ago
Full–time
Apply on LinkedIn
Apply on BeBee
Apply on Jobrapido.com
Apply on Recruit.net
Job description
Purpose of the Role:
To lead and manage the credit risk management team covering PAN India underwriting of all products within the Retail Banking and SME portfolio, ensuring effective credit risk management, and adherence to underwriting policies and procedures.
Responsibilities:
Strategy and Planning -
• Provide inputs in creating Credit Risk overall strategy & create a roadmap to ensure adherence to overall objectives, goals.
• Collaborate with leadership to identify new initiatives/ projects and set operational plans that meet these future demands.
• Participate in credit risk budgeting cycle & process and provide inputs on budget allocation for own sub-function/ team.
• Oversee deployment of own budget and ensure efficient utilization and minimum variance in target v/s actual.
Policies, Processes & Procedures -
• Implement approved policies, processes, procedures and monitor their adherence so that work is carried out in a controlled manner.
• Identify opportunities for continuous improvement of policies, processes and procedures taking into account leading practices, improvement of business processes, cost reduction and productivity improvement.
• Monitor day-to-day activities to ensure compliance with stipulated policies and procedures.
Risk Management and Credit Appraisal -
• Conduct strategic credit risk assessments and analysis, ensuring adherence to regulatory guidelines and risk management frameworks.
• Oversee the appraisal of complex proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows,
Management Risk, Industry Risk, economic conditions to ensure complete adherence to regulatory guidelines.
• Build and maintain relationships with key customers, promoters, and prospective clients to drive business growth and increase share of wallet.
• Manage and oversee credit decision-making processes, recommending credit proposals to higher authorities or credit committees.
• Monitor and review portfolio quality, implement corrective actions, and conduct regular policy and process reviews.
• Manage loan portfolio by monitoring industry/geography concentration, security coverage, and limit utilization.
• Create conducive risk culture to scale up business in line with stated goals along with focus on superior underwriting standards, Turn around time and productivity.
Documentation and Process Compliance -
• Establish and maintain documentation standards, ensuring adherence to the highest quality standards.
• Conduct periodic audits to ensure compliance with regulatory requirements and maintain process compliance.
• Communicate and collaborate with product partners and other Relationship Management groups to ensure understanding and compliance with regulatory guidelines.
Risk and Internal Control -
• Manage RBI audit, Internal Audit, other regulatory requirements and represent the Branch Banking Risk in various management committees.
• Manage operational risk and proactively address any potential audit issues in the concerned area to ensure compliance and minimize operational disruptions.
• Conduct thorough testing and diligently implement the Business Continuity Plan in strict adherence to the Bank's policy, ensuring seamless operations and preparedness for any potential disruptions.
• Facilitate the timely and accurate preparation and submission of regulatory and internal management/board reports, ensuring the provision of comprehensive and reliable information for informed decision-making and regulatory compliance.
Qualifications:
• Master's degree in business, finance, or equivalent. Professional Certifications such as Chartered Financial Analyst (CFA), Financial Risk Manager (FRM) etc. is preferred
• Minimum 18+ years of experience in credit risk management. Prior experience in credit underwriting with 5+ years in leadership roles
• Credit Risk management for complete retail asset products and SME portfolios in large banks
Report this listing
YES BANK
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Indeed
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yesbank.in
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IDFC First Bank
Sr. Data Scientist / Data Scientist (Collections)
IDFC First Bank • Mumbai, Maharashtra • via Instahyre
Full–time
Apply on Instahyre
Job description
We are looking for a highly skilled Sr Data Scientist / Data Scientist to join our team. The ideal candidate will have a solid background in data science, machine learning, and analytics, specifically within the BFSI sector. This role will focus on building and deploying machine learning models, performing data analysis, and driving key business insights to contribute to the company's overall growth.
You will collaborate with various teams to ensure the seamless deployment of machine learning systems and will play a key role in enhancing data-driven decision-making processes. A deep understanding of data pipelines, feature engineering, and model evaluation is essential, as is the ability to work independently on campaign strategies and track model performance.
Responsibilities:
• Ensure traceability and versioning of datasets, models, and evaluation pipelines.
• Design, prototype, build, and maintain APIs for consumption of machine learning models at scale.
• Facilitate the development and deployment of POC machine-learning systems.
• Perform Data cleansing activities such as data cleaning, merging enrichment, etc.
• Perform feature engineering by extracting meaningful features from measured and/or derived data.
• Perform exploratory and targeted data analyses to get key insights.
• Build Stochastic and Machine learning algorithms that potentially address business problems.
• Collaborate on MLOPS life cycle and experience with MLOPS workflows and traceability and versioning of datasets.
• Using standard methodologies framework to ensure data quality and reconciliation checks are in place and are transparent to everyone.
• Utilize advanced analytical techniques to drive responsible revenue growth and improve profitability.
• Develop, implement, and maintain models and analytical tools that align with business objectives.
• Ensure the accuracy and efficiency of models by leveraging machine learning outcomes in current processes.
• Deliver models in alignment with business goals, ensuring they meet quality standards and perform as expected.
• Independently design and create data-driven campaign strategies to support business objectives.
• Continuously track and monitor the performance of models to ensure they deliver on expected outcomes.
Requirements:
• 4-6 years of relevant experience in data science, machine learning, or data analytics.
• Experience in the BFSI (Banking, Financial Services, and Insurance) sector is essential.
• A strong academic background from a recognized tiered institution is required
Head Credit Risk Retail and SME
YES BANK • Mumbai, Maharashtra • via LinkedIn
6 days ago
Full–time
Apply on LinkedIn
Apply on BeBee
Apply on Jobrapido.com
Apply on Recruit.net
Job description
Purpose of the Role:
To lead and manage the credit risk management team covering PAN India underwriting of all products within the Retail Banking and SME portfolio, ensuring effective credit risk management, and adherence to underwriting policies and procedures.
Responsibilities:
Strategy and Planning -
• Provide inputs in creating Credit Risk overall strategy & create a roadmap to ensure adherence to overall objectives, goals.
• Collaborate with leadership to identify new initiatives/ projects and set operational plans that meet these future demands.
• Participate in credit risk budgeting cycle & process and provide inputs on budget allocation for own sub-function/ team.
• Oversee deployment of own budget and ensure efficient utilization and minimum variance in target v/s actual.
Policies, Processes & Procedures -
• Implement approved policies, processes, procedures and monitor their adherence so that work is carried out in a controlled manner.
• Identify opportunities for continuous improvement of policies, processes and procedures taking into account leading practices, improvement of business processes, cost reduction and productivity improvement.
• Monitor day-to-day activities to ensure compliance with stipulated policies and procedures.
Risk Management and Credit Appraisal -
• Conduct strategic credit risk assessments and analysis, ensuring adherence to regulatory guidelines and risk management frameworks.
• Oversee the appraisal of complex proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows,
Management Risk, Industry Risk, economic conditions to ensure complete adherence to regulatory guidelines.
• Build and maintain relationships with key customers, promoters, and prospective clients to drive business growth and increase share of wallet.
• Manage and oversee credit decision-making processes, recommending credit proposals to higher authorities or credit committees.
• Monitor and review portfolio quality, implement corrective actions, and conduct regular policy and process reviews.
• Manage loan portfolio by monitoring industry/geography concentration, security coverage, and limit utilization.
• Create conducive risk culture to scale up business in line with stated goals along with focus on superior underwriting standards, Turn around time and productivity.
Documentation and Process Compliance -
• Establish and maintain documentation standards, ensuring adherence to the highest quality standards.
• Conduct periodic audits to ensure compliance with regulatory requirements and maintain process compliance.
• Communicate and collaborate with product partners and other Relationship Management groups to ensure understanding and compliance with regulatory guidelines.
Risk and Internal Control -
• Manage RBI audit, Internal Audit, other regulatory requirements and represent the Branch Banking Risk in various management committees.
• Manage operational risk and proactively address any potential audit issues in the concerned area to ensure compliance and minimize operational disruptions.
• Conduct thorough testing and diligently implement the Business Continuity Plan in strict adherence to the Bank's policy, ensuring seamless operations and preparedness for any potential disruptions.
• Facilitate the timely and accurate preparation and submission of regulatory and internal management/board reports, ensuring the provision of comprehensive and reliable information for informed decision-making and regulatory compliance.
Qualifications:
• Master's degree in business, finance, or equivalent. Professional Certifications such as Chartered Financial Analyst (CFA), Financial Risk Manager (FRM) etc. is preferred
• Minimum 18+ years of experience in credit risk management. Prior experience in credit underwriting with 5+ years in leadership roles
• Credit Risk management for complete retail asset products and SME portfolios in large banks
Report this listing
YES BANK
AmbitionBox
3.7/5
8.8K reviews
Glassdoor
3.6/5
2.9K reviews
Indeed
3.9/5
967 reviews
yesbank.in
More jobs at YES BANK
See web results for YES BANK
IDFC First Bank
Sr. Data Scientist / Data Scientist (Collections)
IDFC First Bank • Mumbai, Maharashtra • via Instahyre
Full–time
Apply on Instahyre
Job description
We are looking for a highly skilled Sr Data Scientist / Data Scientist to join our team. The ideal candidate will have a solid background in data science, machine learning, and analytics, specifically within the BFSI sector. This role will focus on building and deploying machine learning models, performing data analysis, and driving key business insights to contribute to the company's overall growth.
You will collaborate with various teams to ensure the seamless deployment of machine learning systems and will play a key role in enhancing data-driven decision-making processes. A deep understanding of data pipelines, feature engineering, and model evaluation is essential, as is the ability to work independently on campaign strategies and track model performance.
Responsibilities:
• Ensure traceability and versioning of datasets, models, and evaluation pipelines.
• Design, prototype, build, and maintain APIs for consumption of machine learning models at scale.
• Facilitate the development and deployment of POC machine-learning systems.
• Perform Data cleansing activities such as data cleaning, merging enrichment, etc.
• Perform feature engineering by extracting meaningful features from measured and/or derived data.
• Perform exploratory and targeted data analyses to get key insights.
• Build Stochastic and Machine learning algorithms that potentially address business problems.
• Collaborate on MLOPS life cycle and experience with MLOPS workflows and traceability and versioning of datasets.
• Using standard methodologies framework to ensure data quality and reconciliation checks are in place and are transparent to everyone.
• Utilize advanced analytical techniques to drive responsible revenue growth and improve profitability.
• Develop, implement, and maintain models and analytical tools that align with business objectives.
• Ensure the accuracy and efficiency of models by leveraging machine learning outcomes in current processes.
• Deliver models in alignment with business goals, ensuring they meet quality standards and perform as expected.
• Independently design and create data-driven campaign strategies to support business objectives.
• Continuously track and monitor the performance of models to ensure they deliver on expected outcomes.
Requirements:
• 4-6 years of relevant experience in data science, machine learning, or data analytics.
• Experience in the BFSI (Banking, Financial Services, and Insurance) sector is essential.
• A strong academic background from a recognized tiered institution is required
💡 Quick Summary
Seeking a career-building opportunity? The Sr. Data Scientist / Data Scientist (Collections) 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.
