Overview
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.