Associate, Credit Approval, Risk Management Group

The primary job purpose includes providing effective credit support to meet business targets, developing lending policy frameworks, processes, and workflows, and assisting in establishing the mortgages business in India. Approving credit applications within delegated authority judiciously, maintaining acceptable quality of the bank's exposure in India, and offering guidance on policy and processes to the team of relationship managers are also key responsibilities.

Key accountabilities involve underwriting files for the CLAP business according to policies and controls, recommending/approving credit applications in alignment with workflows and policies, monitoring delinquency levels, understanding risks associated with the C-LAP customer segment, managing vendors, applying regulatory knowledge, and ensuring compliance with legal frameworks.

Job duties and responsibilities comprise setting up policies/processes for CLAP, approving mortgage applications, monitoring portfolios, ensuring compliance with credit policies and regulatory guidelines, maintaining turnaround times, and providing guidance to the relationship managers.

Requirements for this role include six to ten years of experience in mortgages within Consumer Banking, a professional qualification, graduate or postgraduate degree in business, accountancy, economics, finance, etc., and domain knowledge of the mortgages business and market.

Core competencies essential for the role include good analytical, presentation, interpersonal skills, and industry knowledge. Technical competencies encompass understanding lending frameworks, credit evaluation methods, regulatory guidelines, banking products, and associated risks, as well as local property knowledge.

Establishing positive work relationships with the Consumer Banking Relationship team, Consumer Operations, product teams, regulators, and external agencies is crucial for effective collaboration.

The primary location for this full-time Risk Management job is in Lakshmipuram, Guntur, Andhra Pradesh, India.,