• Specialist, Credit Risk Management, SME Banking Jobs in Pune,India

  • DBS Asia Hub 2

Job Description:

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
Job Purpose
1) To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment for western region (Pune, Nasik, Kolhapur and part of Mumbai as of now)
2) To assist the Credit Approvers in establishing credit controls and procedures for SME branches in western region and also help the Business Lines grow, such that the business runs seamlessly, within target NPL
3) To actively evaluate lending proposals for SME customers of western region including financial position assessment, industry position and position of the corporate, and hold promoter meeting, whenever possible
Approve judiciously as and when DOA is granted

Key Accountabilities
1) To use credit analysis techniques, which highlight all significant risks in relation to a lending proposition, for evaluation and recommendation of the proposals in the areas of SME
2) To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products
3) 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

Job Duties and Responsibilities
Review of memos originating from western region as of now to highlight info gaps, key risk issues not adequately addressed
Portfolio monitoring / tracking & escalation of adverse new events in company / industry
Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that over dues are regularised in a time bound manner
Ensure meticulous compliance with Bank s internal credit policy as well as regulatory guidelines for the Enterprise Banking segment
Ensure compliance with the benchmark Turnaround Time
Core Competencies
1) Good analytical skills
2) Good presentation skills
3) Good interpersonal skills
Good knowledge of industries/sectors

Technical Competencies
1) Sound knowledge of financial statement analysis and accounting policies/practices
2) Good knowledge of credit evaluation methods, tools & techniques
3) 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
4) Knowledge of corporate banking products
Knowledge of SME market in south and preferably should have had approval authority in his previous assignments

Work Relationship
Interaction and good working relationship with SME / EB Relationship team, CCU and RAU other product teams (GTS, T&M etc), RBI inspectors, regulators and other Vendors

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Profile Summary:

Employment Type : Full Time
Industry : anking / Financial Services
Functional Area : General / Operations Management
Role : c,evaluation,legal,ris k,php,operations,strat egy,java,s,
Salary : Not Mentioned
Deadline : 14th Nov 2019

Key Skills:

Company Profile:

DBS Asia Hub 2
DBS, a leading financial services group headquartered in Singapore, operates across 18 markets. We are an Asia-centric commercial bank focused on harnessing the regions long-term potential as the centre of economic gravity shifts eastwards to Asia.

A frontrunner in digital transformation, we seek to deliver a new kind of banking that is so simple, seamless and invisible, that customers have more time to spend on the people or things they care about.

At DBS, we are also a strong advocate of building a sustainable future. Working with partners, we empower people to live larger than themselves. We create avenues that encourage our customers to live socially-conscious; establish platforms to help social entrepreneurs bring their ideas to life; and provide the next generation with opportunities to develop innovative solutions that address sustainability issues.

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