Credit Manager - Retail Banking Risk (CV & CE) @ YES Bank, Gujarat

Role: Credit Manager

BU: Credit Risk Management

SBU: Retail Banking Risk (CV & CE)

Ticket Size: 10L to 2 Crores

Location: Surat, Gujarat

Roles & Responsibilities:

Strategy and Planning

• Understands the KPIs/goals and takes full accountability to deliver. 
• Responsible in decision making within the stipulated timelines.

Policies, Processes & Compliance 

• Credit delegation authority to be exercised with all due diligence within the policy framework.  
• Adherence to the defined policy/process & timely decision on all applications being processed. 
• Interpretation of credit bureau reports, dedupe checks, assessment of financial statements, plotting financial tools/spreadsheets & evaluate financial ratios, analysis of bank statements, ascertain existing liability of applicant and overall arriving the financial eligibility in line with the policy.  
• To ensure all loan applications are processed within the defined turn-around time [TAT]. 
• Increase the efficiency of underwriting by reducing rework and increasing FTR in all the activities carried. 
• Follow up with sales counterparts for pending cases to ensure both credit TAT and E2E TAT are met as defined by the senior management. 
• To check data entry quality is intact and error rate is minimal; periodic feedback to be shared with data entry vendors/ respective team. 
• To conduct customer tele verification / physical visits- personal discussion with applicants to understand the profile, business model, requirement, end-use, seek clarification if any, etc. 
• To keep track of market factors & identify the impact on credit portfolio, & decisioning.  
• To keep focused on creating high-quality portfolio. 
• Ensuring proper covenant management is done.

Risk and Internal Control Responsibilities 

• Audit & regulatory compliance on all aspects stipulated by central team. 
• Credit quality: Ensuring Nil PAR errors and Nil QM cases. 
• Credit authority delegation to be exercised without any instance of transgression of powers

People Management 

• To interact closely with other functions such as Sales /Operations/ CSS/ Collections in ensuring smooth delivery of objectives. 
• Vendor management: To manage all risk vendors such as CPV, PD, CPA vendor and in-house CPAs wherever available. 
• Impart regular training and share feedback to improve quality.