AREA CREDIT HEAD - MEG INTERNAL USAGE: No. of Vacancies: Reports to:GCH MEG Is a Team leader?NoTeam Size:NA Grade: Business:Corporate CenterDepartment:�Wholesale CreditSub-Department:MEG Location: About Wholesale Credit The Wholesale Credit department in the Bank is a Credit Underwriting department for all Large/ mid and SME clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes About the Role The Area Credit Head (ACH) manages the credit activities, processes and people for the Wholesale Credit vertical for designated location. The ACH is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank Key Responsibilities • Manages the credit appraisal process, by ensuring adherence to the standard process, Turn Around Time and decision consistency • Ensuring the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality. • Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions. • Monitor the accounts to ensure maintenance of a healthy portfolio. • Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives • Maintain the Customer escalations within the desired levels for the location • Ensure timely completion of key deliverables, audit queries and adherence to the corporate credit policy/ scheme • Provide regular updates on all key activities to regional manager Qualifications Optimal qualification for success on the job is: � Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute � Minimum 5 years of relevant work experience Role Proficiencies: For successful execution of the job, the candidate should possess: � Knowledge of credit, industry and product trends � Knowledge of regulatory guidelines and norms � Good communication (both verbal and written) skill in both English and the local language � Ability to manage risk and uncertainty within a dynamic priority-setting environment � Ability to handle pressure and meet deadlines