About the role

CREDIT HEAD- SCFINTERNAL USAGE:No. of Vacancies:Reports to:Head - Credit (CBG)Is a Team leader?YesTeam Size:~20Grade:Senior Vice PresidentBusiness:Corporate CenterDepartment:�Wholesale CreditSub-Department:SCFLocation: MumbaiAbout Wholesale CreditThe Wholesale Credit Department of the Bank underwrites credit extended to all Large/ Mid Corporate and SME clientele and devises credit policies for the portfolio catered by the Wholesale Coverage Group of the Bank. It is also responsible for ensuring� maintenance of the quality of the credit portfolio and smooth credit appraisal processes.AbouttheRoleThe Credit Head SCF, through a team Geography Credit Heads, Area Credit Heads and a Central Office team, is responsible for underwriting credit proposals pertaining to Supply Chain Finance (SCF) portfolio of the Bank. He is also responsible for maintenance overall portfolio quality, credit Turn Around Time (TAT) and ensuring adherence and improvements in the standard systems and processes designed by the bank.Key Responsibilities

To Lead a Pan India Credit team to manage the credit appraisal processes by ensuring adherence to the standard processes laid down by the Bank, Turn Around Time (TAT) and decision consistency.
To participate in the credit sanctioning process as a member of the various credit committees and also to assist the Senior Management Committee in taking credit underwriting decisions.
To enable policy and process improvements through Corporate Credit policies and circulars.
To ensure maintenance of a healthy credit portfolio by monitoring the portfolio through early warning signals and initiating timely corrective actions.
To gather market intelligence to understand the market dynamics and risk trends and to use necessary information for taking credit decisions.
To manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives
To ensure timely completion of key deliverables, audit queries and adherence to the corporate credit policy/ schemes
To motivate and direct the team through feedback and grooming to help them perform as per expectation
To assist the HR Dept of the Bank to carry out �manpower planning to meet the staffing requirements, training of the �staff etc.

Qualifications

Optimal qualification for success on the job is:

� Post- Graduation (MBA/ CA preferred) from a recognized institute

� Minimum 15 years of relevant work experience, out of which at least 3 years should be in handling a Pan India credit portfolio �

Role Proficiencies:

For successful execution of the job, the candidate should possess:

� Knowledge of credit appraisal, industry and product trends, especially pertaining to Supply Chain Finance.�

� Knowledge of regulatory guidelines and norms

� Good communication (both verbal and written) skill in both English and the local language (preferable)

� Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

� Ability to handle pressure and meet deadlines

� Ability to handle a Pan India credit portfolio, lead a large team, coach, motivate and mentor the members of the team on on-going basis.

RC&WC - CBG:Head SCF

About the role

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