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Job Description
Business Function
Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure
Position Title: Credit Manager.
Job Purpose:
- To give effective credit support for meeting the business targets.
- To frame the lending policy framework, processes and workflow, assist in setting up the mortgages business in India.
- To approve credit applications as per DOA judiciously.
- Ensuring that quality of Bank’s exposure in India is acceptable at all time.
- Provide guidance to the team of relationship managers on areas of policy and processes.
Key Accountabilities:
- To roll-out the credit lending framework including policies, processes, controls, etc for launching the mortgages business in India.
- To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks.
- To keep track of delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner.
- To have a sound knowledge of the Indian market especially Micro SME customer segment in terms of risks associated with this product.
- To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.
- To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.
- Set up policy / processes for mortgages pan India.
- Approve Mortgage applications for his respective branch / location / region.
- Portfolio monitoring / tracking & escalation of adverse new events in the portfolio.
- Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines.
- Ensure compliance with the benchmark Turnaround Time.
- Ensure proper guidance / support to the team of relationship managers.
- Ensure processing of files within agreed timelines.
Experience:-
Six to ten years of experience in mortgages in Consumer Banking (preferably lending to MSME customers).
Education/Preferred Qualifications:-
Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market.
Core Competencies:
- Good analytical skills
- Good presentation skills
- Good interpersonal skills
- Good knowledge of the industry
Technical Competencies :-
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- Sound knowledge of policies / lending frameworks followed for this product.
- Good knowledge of credit evaluation methods, tools & techniques
- Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
- Knowledge of various banking products and risks associated with them.
- Adequate local knowledge of properties for cities in which he operates.
Work Relationship:-
Good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators and other external agencies.
Primary Location: India-Telangana-Warangal
Job: Risk Management
Schedule: Regular
Employee Status:
Full-time
:
Job Posting: Jul 26, 2022, 5:10:03 AM
Skills
LegalBankingIf an employer asks you to pay any kind of fee, please notify us immediately. Jobaaj does not charge any fee from the applicants and we do not allow other companies also to do so.
About Company
DBS Bank, a leading financial services group in Asia, drives digital innovation to redefine banking experiences. With a commitment to making banking seamless and accessible, DBS Bank leverages cutting-edge technology to empower customers and businesses alike. DBS Bank Careers offer exciting opportunities for individuals seeking to shape the future of finance. Whether in banking operations, technology, or wealth management, joining DBS Bank means being part of a progressive organization that values innovation and collaboration. With a focus on nurturing talent and fostering a diverse workforce, DBS Bank provides a platform for professional growth and development. Explore DBS Bank Careers for a chance to make a meaningful impact in the financial industry.
Important dates & deadlines?
Application Deadline
16 Sep 22, 12:00 AM IST
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