Job: Retail Banking

Primary Location: Asia-India-Mumbai

Schedule: Full-time

Employee Status: Permanent

Posting Date: 05/Feb/2024, 2:14:50 AM

Unposting Date: 07/Mar/2024, 5:59:00 PM

Credit Process

Ensuring that the quality of Limit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.

Approving BCAs falling within own discretion and support of applications that require approval outside the delegated credit authority, where appropriate.

Highlighting/Approving breaches of applicable Risk Authorities Policy and Local Lending Policy.

Undertake regular customer visits to better understand the business environment.

Maintain Turn-around Time of BCA approvals.

Portfolio Management

Ensuring compliance with all credit policy and Risk Authorities Policy and any divergence to be appropriately highlighted/approved.

Ensure EAR process is adhered to and participate in the monthly EAR & ASTAR discussions. Assisting relationship managers in identification and managing of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing stressed accounts to maximise recoveries and minimise losses.

Support all portfolio related analysis for various reviews initiated within/outside the country.

Business Contribution

Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions.

Maximizing Economic Revenue and minimizing Economic Loss through effective management of the risk/reward relationships.

Maintaining credit quality and standards of professionalism for the risk function.

Ensure effective implementation of Group Policies / Circulars / Procedures.

Participate actively in any group initiative to improve systems and processes

Regularly attending and making meaningful contribution to the Regional Credit Issues Forum.

Stakeholder Management

Actively engage all stakeholders (eg. Business partners) to raise their awareness of credit issues and how these are managed by the Credit Risk function.

Ensure that Credit Risk decisions are transparent and supporting rationales are explained in a professional and courteous manner, especially when turning down proposals.

Operational Risk Management Assurance (ORMA)

Ensure compliance to the ORMA framework (self-assessments, KRIs, KCSs, etc) and reporting.

Ensure full awareness of all the policies & procedures issued in relation to money laundering prevention. Ensure compliance with these policies & procedures on an ongoing basis and immediately report any deviations to the Supervisor

Others

Live by values and brand promise 'Here for Good'.

People and Talent

Managing a Team of 14 Credit Analysts and work closely with them which enables monitoring of portfolio quality

Lead through talent and build the culture and values.

Ensure ongoing training and development

Employ, engage and retain high quality talent

Risk Management

Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees