Zonal Credit Head (Location Chennai)

Job Description
Job Purpose : Regional Credit Head manage a team of Credit Analysts, Approve SME/Mid-market cases within delegated powers Responsible for quality of the credit portfolio of the region, - Shall be able to contribute towards process/policy/product changes related to Credit. Job Responsibilities : (1) Lead the SME/MSME credit team for a region, providing support, training and development to direct reports to achieve the Credit teams objectives (2) Approve and recommend medium ticket credit exposures as per SME definition (3) Evaluate client performance through analysis of the industry and economic conditions, business competitiveness, management strength, and in-depth analysis of financial statements involving calculation interpretation of key ratios essential to the business/industry (4) Liaising with the business side/meeting customers to understand their evolving needs/requirements and structure requisite facilities that benefit both bank and client (5) Ownership for the quality of the SME/MSME portfolio of the region Ongoing tracking of portfolio with the objectives of improving the credit quality, flagging of early warning triggers leading to a reduction in delinquencies Implement appropriate control checks for portfolio improvement (6) Tracking critical developments and analysing impact on assigned portfolio Propose changes in credit portfolio according to industry scenario / changing market condition (7) Provide an independent assessment of Credit Risk of the regional portfolio by maintaining a qualitative overview of Lending Unit activities Report on loan book performance, enhancing and developing Credit Risk management information and reporting Ensure the management reporting of Credit Risk is comprehensive and timely (8) Liaise with auditors and rectify audit observations, if any
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