Credit Manager
Yes Bank · Bengaluru · onsite · Posted 32d ago
Not disclosedFresherfulltimeSourced from
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About this role
Role: Credit Manager
BU: Credit Risk Management
SBU: Retail Business Risk (RBR) - HL & LAP
Ticket Size: 10 Lakhs to 15 Crores
Location: Bangalore
Role Summary
BU: Credit Risk Management
SBU: Retail Business Risk (RBR) - HL & LAP
Ticket Size: 10 Lakhs to 15 Crores
Location: Bangalore
Role Summary
- The credit manager should ensure building quality portfolio and manage delinquency.
- Understands the KPIs/goals and takes full accountability to deliver for the region & overall performance.
- To understand the management goals & align/ driven towards the target.
- To control operational and credit cost. Rationalize various components of cost viz. CPV, CPA, Valuation etc. Initiative on cost saving taken on FI waiver, per FI cost, Valuation etc.
- To underwrite cases keeping in mind the Banks risk policies, risk appetite and quality of portfolio to be maintained.
- Ensure faster delivery within TAT and with satisfaction of customer requirements.
- To adhere Yes Personality and policy of the bank.
- Ensure exercises the credit delegation authority with all due diligence within the policy framework.
- Setting up & Monitoring processes related to policy/process & timely decision on all applications being processed.
- To ensure that you processes all loan applications within the defined turn-around time [TAT] efficiently, accurately, and high service standards.
- Increase the efficiency of credit managers by reducing reworks and increasing FTR in all the activities carried.
- Responsible for Process Improvements and Digital Initiatives
- Portfolio management:
- Monitoring of the portfolio, analysis of delinquent cases.
- Profiling of customers with data cuts.
- Highlight early warning signals
- Basis review to arrive with a definite corrective action plan.
- Executive corrective action plan with all control measures.
- Track deviations and correlate between deviations & delinquency.
- Co-ordinating and arrange on credit scrutiny, changes in policy, other regulatory requirements, process adherence/reiteration etc.
- Liaison with industry peer banks & financial institutions to understand the market behavior.
- To look proactively at best practices across industries and businesses and try adapting them to own context.
- Co-ordinating with external agencies which includes CPV, PD and sourcing channels.
- Impart training on changes related to processes, regular feedback towards overall improvement of their performance, TAT deliverables, data entry quality etc.
Sourced from foundit
Skills
Credit delegation authorityProcess ImprovementsDigital InitiativesPortfolio Management
About Yes Bank
Yes Bank
Banking
28.7k+
employees
2004
22 years old
Mumbai, Maharashtra
India
About
Yes Bank operates as a full-service commercial bank offering a diverse range of financial products and digital services across India to corporate and retail clients.
Industries
BankingBanking / Insurance / AccountingFinancial Services
Employee ratings
10,195 reviews
3.7/ 5
Culture
3.4
Career growth
3.3
Work-life
3.6
Employees rate it well for
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