Job Description
The Credit Lead will be responsible for driving prudent credit underwriting, portfolio quality, and TAT management for LAP proposals within the SME business. The role involves evaluating borrower creditworthiness, assessing business and property risks, ensuring policy compliance, and supporting business growth through sound credit decisions.
Key Responsibilities
Credit Assessment & Underwriting
- Evaluate LAP proposals sourced through SME sales channels.
- Conduct detailed financial analysis of borrowers, including review of financial statements, bank statements, GST returns, Income Tax Returns (ITR), and cash flow assessments.
- Assess borrower repayment capacity, business viability, and overall credit risk.
- Analyse property valuation reports, legal opinions, title documents, and collateral adequacy.
- Structure credit proposals considering borrower profile, cash flows, collateral coverage, and risk appetite.
- Approve or recommend credit proposals within delegated authority limits.
- Ensure adherence to internal credit policies, risk guidelines, regulatory requirements, and audit standards.
- Identify and mitigate risks through suitable loan structuring, covenants, and monitoring mechanisms.
- Escalate exceptions and high-risk cases with appropriate recommendations.
- Partner closely with SME Business, Sales, Credit Operations, Legal, Technical, and Collections teams.
- Provide guidance to sales teams on credit requirements, documentation, and policy interpretation.
- Participate in customer discussions and site visits, where required, for complex cases.
- Monitor portfolio quality, delinquency trends, and early warning signals.
- Support portfolio reviews and identify sectors/accounts requiring enhanced monitoring.
- Drive corrective actions for stressed accounts in coordination with Risk and Collections teams.
- Ensure portfolio growth aligns with acceptable risk parameters.
- Drive improvements in underwriting quality, TAT, productivity, and customer experience.
- Maintain robust credit documentation and audit readiness.
- Support policy reviews and implementation of new credit programs and risk frameworks.
- Ensure compliance with regulatory, internal audit, and risk governance requirements.
- 15-20 years of experience in Credit Underwriting, Credit Risk Management, or SME Lending.
- Strong experience in Loan Against Property (LAP), Mortgage Lending, and Secured Lending.
- Proven track record in evaluating and approving large-ticket SME credit proposals.
- Experience in portfolio risk management, delinquency monitoring, and credit decisioning.
- Exposure to property-backed lending, collateral assessment, and legal/technical evaluation processes.
- Strong expertise in financial statement analysis, cash flow assessment, and credit appraisal.
- In-depth understanding of SME lending products and secured lending structures.
- Knowledge of property valuation, legal documentation, title verification, and collateral management.
- Strong credit underwriting, risk assessment, and loan structuring capabilities.
- Sound understanding of regulatory guidelines, internal credit policies, and risk governance frameworks.
- Excellent analytical, problem-solving, and decision-making skills.
Looking to get Placed? Try our Placement Guarantee Plan
- Bachelors Degree in Commerce, Finance, Economics, Business Administration, or related field.
- MBA (Finance), CA, CFA, or equivalent professional qualification preferred.
- Strong knowledge of LAP products, SME lending, and secured lending.
- Expertise in financial statement analysis and cash flow assessment.
- Understanding of property valuation, legal documentation, and collateral management.
- Strong credit underwriting and risk evaluation skills.
- Decision-making and analytical capability.
- Stakeholder management and influencing skills.
- Strong communication and presentation skills.
- Ability to balance business growth with risk management.
Mumbai
Job:
Risk Management
Schedule:
Regular
Employee Status:
Full time
Skills
Credit AppraisalCredit RiskCredit Risk ManagementCredit AssessmentFinancial StatementsLoan StructuringUnderwritingCaCfaIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
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
07 Nov 26, 01:48 PM IST
Similar Jobs
View All
Don't Miss out any Updates
Subscribe now for the latest job alerts
and never miss an update
.webp){kind=logo}
Vice President, Team Lead, LAP Credit, Small Medium Enterprises
Share with
