Credit Manager

The role holder is responsible for credit appraisal of Retail loans as per pre-defined TAT with due adherence of Process, Policies and delegation of authority. He will also be responsible for the loan portfolio of his territory and would keep a close watch on the performance of such loans. He would also be accountable for highlighting and initiating corrective steps for  any process, system gaps noticed during the overall appraisal process

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Strategic/ Managerial Responsibilities

·       NA

Core Responsibilities

·       Appraises /recommends/ approves credit proposals as per the delegation of authority.

·       Reviews delinquent cases and document learning’s / portfolio reviews for risk management.

·       Conducts process audits and reports delinquencies and anomalies.

·       Recommends changes to policy/process based on local nuances / competitor feedback.

·       Implements system integration plans.

·       Monitors NPA and keeps a track of it.

·       Ensures field customer visits for PD and deliveries within agreed TAT.

·       Managing all CPA’s(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team.

·       Ensures maintenance of Healthy Portfolio for the bank.

·       Makes customer visits wherever required to ensure appropriate closure of the deal.

People Management or Self-Management Responsibilities

·       Manages CPA Team.

·       Imparts Training and knowledge sharing

Risk and Internal Control Responsibilities

·       Identifies process and policy gaps and potential risk arising out of it.

·       Suggests internal control measures and ensure implementation to address such gaps.

SECTION IV: KEY INTERACTIONS

Key Internal Interactions

Purpose of Interaction

Business Team

For documentation requirement, understanding of customer profile and other discussions which helps in arriving at the decisioning of the deal

Policy Team

For understanding the policy, seeking clarifications, advising modifications, wherever required

Process Team

For correction of process gaps noticed during appraisal of the loans

Technology Team and HCM

For system related changes, correction of  bugs, system errors etc. Manpower Planning.

Key External Interactions

Purpose of Interaction

Customer

To understand the profile of the customer, his income, obligations etc

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum Qualifications

·       Bachelors in Commerce

Professional Certifications

·       Chartered Accountant / MBA Finance

About Company

Yes Bank is a private Indian bank offering retail, corporate, and digital banking services. After undergoing financial restructuring, it’s focused on stability and growth. The bank provides various services including loans, deposits, and digital payments.

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