· Manage the entire VHL credit team ( Recruit, train and talent upgradation) · Manage the underwriting of all cases in country within stipulated time as prescribed · Take constant feedback from the team to clear any bottle necks / solve any issues and ensure least attrition in the department. · Ensure discipline and monitor other routine issues Functional Responsibilities · Attend to audit reports by RBI and internal auditors and close on the audit observation and actionable promptly · Credit Appraisal: Ensure all loan applications are appraised as per credit policy and within applicable TAT · Credit Policy: Provide valuable inputs to the policy team in updating the credit policy. · Training: Training branch and cluster credit team regularly on credit policy and improvement areas. · Good interpersonal, relationship management, customer service, and rapport building skills. · Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area
Credit Management, Underwriting, Risk Policy,
Other
Experience Not Provided
Bangalore, Karnataka, India
Credit Analyst - NBFC Key Responsibilities: Support the credit team in underwriting, analysis/due diligence for deals, preparation of the cash flow model and analysis Preparation of credit notes and presentation Liaising with the legal team (internal, third party and developer's) for documents Disbursement of sanctioned deals Submitting Monthly Monitoring Reports to the Top Management Ensuring timely interest and principal repayments Performing market research and competitive analysis for assessment. Key Competencies: Strong hold on Industry, financial & credit principles Excellent in negotiation, interpersonal & presentation skills Strong financial modelling and analytical skills Grade: M5/M6 Requirements: CA/MBA, Experience in a credit role in Corporate/Mid Markets/ Structured Credit division of a Bank/ NBFC / AIF
Financial Modelling, Due Diligence, Structured Finance, credit underwriting,
Investment Banking
Experience Not Provided
Mumbai, Maharashtra, India
Job Description Form (Technology) Basic Information Role/ Job Title Portfolio Lead - Credit Cards Place of Work Mumbai BKC Business Credit Cards Function/ Department Credit Cards Organizational Relationships Supervisor Title & Grade Business Lead Scope & Size Direct Reports 2 In Direct Reports NA Stakeholder Network Internal Stakeholders Product, Marketing,Operations, Technology, Customer Service, Analytics External Stakeholders Merchant Partners, Vendors Peers within functions Product Lead, Portfolio Lead Peers in other functions Marketing Lead, Project Lead Job Purpose This role will primarily be responsible to drive Spends for the Credit Card Portfolio Team. Their broad responsibility is to develop and implement marketing strategies inorder to grow consumer spends and help reach the assigned targets. In order to successfully reach their goal, the individual needs to closely work with multiple teams including Product, Marketing, Tech, UX, Operations, Analytics and Customer Service teams. Roles & Responsibilities Key / Primary Responsibilities Drive Spends campaign for credit card business Utilize qualitative and quantitative insights to develop hypotheses- identify opportunities based on competitive intelligence and customer analytics to increase consumer spending Define, prioritize, and communicate short- and long-term goals Partner with engineers, designers, marketing, customer operations, strategy and analytics teams to rapidly develop and deliver projects Train and lead a team of 2 members Secondary Responsibilities • Communicating and collaborating with leaders from multiple disciplines and across multiple product lines • Ideate innovative consumer spending concepts and events • Defining clear success metrics, and support the teams to achieve the same Managerial & Leadership Responsibilities • Customer experience grounding: Ability to design customer-centric experiences throughout the decision journey • Market Orientation: Ability to deeply understand market trends, partner ecosystems, and competitive strategies • Business Acumen: Comfort with business strategy, portfolio prioritization, go to market and tracking key performance indicators, strong problem-solving skills • Soft Skills: Ability to build and manage a young team, and exercise leadership without authority, communicate effectively in different contexts Key Success Metrics Business Metric: Consumer Spend Growth and Customer Engagement for Credit Cards products. Customer Focus: Deep dive in customer behavior by analyzing data, observing trends and aligning campaigns/propositions accordingly. Execution mindset:- Understand the problems we are trying to solve and work closely with engineers, designers, data scientists, and other functions to define, iterate and ship an awesome sustainable product Communication: Build constructive relationships, communicate effectively with internal and external stakeholders, and have a great time doing it Job Requirements - Academic Qualifications Graduate Degree Any University (Premier/ Tier1, II, III, Others) Additional Information Post Graduate Degree MBA Tier 1 or 2 Full Time Professional Degree University (Premier/ Tier1, II, III, Others) Additional Information Job Requirements - Technical Qualifications Mandatory Certification Understanding of product/category marketing & digital sales Issuing Institue Additional Information Prferred Certification Issuing Institue Additional Information Job Requirements - Work Experience Years of Experience 8+ years Industries BFSI, Fintech, Marketing, Ecommerce Level / Capacity Job Requirements - Skills Proficiency Technical Skills (Tools, Languages, Competencies) Name Skill Proficiency Level (H/M/L) Description/ Comments Data analyticals skillls High Marketing skills High Functional Skills Name Skill Proficiency Level (H/M/L) Description/ Comments Experience of Digital payment products High Expertise in Consumer facing Payments/Cards High Behavioural and Soft Skills Name Skill Proficiency Level (H/M/L) Description/ Comments Communication & Interpersonal skills High Drive, Energy & Action Oriented High Innovative Thinking High Customer Focus/Orientation High
Marketing Skills, Competitive Strategies, Implement Marketing Strategies, Product Lines, Key Performance Indicators, Business Strategy, Competitive Intelligence, Customer Operations, Go To Market, Customer Engagement, Customer Experience, Digital Sales, Analyzing Data, Deliver Projects, Product Communication, Business Acumen, UX, Fintech, Consumer Facing, Multiple Disciplines, Ability To Design, Functional Skills
Product Marketing
Experience Not Provided
Mumbai
Job Description: Setting up Robust credit underwriting processes and discipline. Ensuring that Ummeed maintains high quality Credit portfolios. (Ummeed with GNPAs less than 0.8% is a top quartile player on this metric) Hiring, Training and Developing a highly motivated and effective team - this is a critical requirement. Responsible for helping with Collection of early delinquent accounts. Can contribute towards setting up changes in the LOS systems, credit screens and risk assessment processes. Coordination with internal and statutory audit firms, rating agencies, regulator and institutions. Responsible in ensuring Risk Management policies are directly reflected in the organization’s strategic plans. Take a thorough look at the audit practices of accounting, compliance reports, and safety measure Recognize the threats to the reputation of the organization, which include blunders in the Sales/Credit process Documenting risk analysis reports to various stakeholders such as board members, C-suite executives, and employees Evaluating the operational risks that might occur due to system failure or human error, which in turn leads to the disruption of business processes. Recognize and think through the potential threats to operational efficiency and financial stability of the organization and protect the organization against the same. Develop risk-related plans and formulate strategies to minimize and mitigate Create an integrated risk framework for the entire organization Quantify risk limits and develop plans to mitigate risks Experience required: Having experience with respect to NHB / regulatory requirements around a HFC. Has extensive experience with legal and technical issues relating to collateral (property) across multiple jurisdictions. Atleast 15 years experience in underwriting & risk management. Needs to have extensive experience around income assessment for the SENP segment. Work experience with an Affordable Housing Finance player will be an added advantage. Need to have worked in multiple states across India - exposure to states in northern and central India is a prerequisite. Ability to work in close alignment with the sales teams to deliver optimal results - ie help meet volume targets but with strong portfolio quality is a key requirements. Position reports to the MD of the company with a dotted line to the Chief Business Officer, for alignment with Business. Should have managed/had exposure to working with the in-house legal and technical teams which deal with property/collateral related diligence. Should have some skills around credit portfolio review and management. Managed and led large teams Experience managing a high-performance team An ability to understand and analyze performance metrics Solid customer service attitude with excellent negotiation skills Strong communication and team management skills Analytical skills with a problem-solving attitude High energy resource and readiness to travel extensively Product experience in business loans, housing and loan against property Strong communication and interpersonal skills Excellent analytical and problem-solving skills
Operational Strategies, Operational Processes, Operational Excellence, Operational Activities, Risk Management, Technology Solutions, Operational Efficiency, Technology Integration, Process Optimization, Regulatory Requirements, Exceed Customer Expectations, Manage Budgets, Key Performance Indicators, Data-Driven, Financial Services, Understanding Of Customer Needs, Track Record, Resource Allocation, Financial Operations
Strategic Planning
Experience Not Provided
Gurugram, Haryana, India
Entity Centrum Wealth Total Years of Experience 8 to 15yrs Relevant Exp. (if different than total years) 4 to 6 yrs minimum dealing with MLD product Job location Kalina, Mumbai Key Responsibility Areas (indicative) 1. Manage the life cycle and product development process of Structured Product solutions for our HNI clients to meet their overall risk-return requirements 2. Conduct Back-testing to evaluate the historical success probabilities of the product strategies - Creation of Strategy payoffs and Product Presentations and other sales tools to aid product sales 3. Design robust processes in coordination with the issuer to ensure smooth product execution - Structured Products/Option positions 4. Hedging of Structured Products book to generate the desired strategy payoffs 5. Engage with Wealth RMs to support the distribution of structured MLD product solutions 6. Record keeping of all Structured Products issued till date, actively tracking valuation of Structured Products and assisting the team in providing early unwinds. 7. Scouting Third-Party MLD product, and Execute (end-to-end) over credit rating including regular surveillance and due diligence for the launch of the MLD product to sales team. 8.To look after both – In-house MLD and Third-Party MLD product offering for HNI clients Pre Requisites Prior experience of MLD product
MLD, Product design for debt products, Third Party MLD, NCD Distribution, Sales Tools, Product Strategies, Record Keeping
Financial Advisory
Expert (10+ Years)
Mumbai
Commercial Responsibilities: • Direct responsibility of P&L for the products/ ranges manufactured through these contract manufacturers • Scout for the new 3rd Party Partners & Assessing them for VIP compatibility • Capacity Assessment of new 3rd Party capacities/closure of existing unsecured capacities in line with demand changes • Assessment of Luggage product costing with the limited set of Inputs from the external sources & formulating the negotiations strategy with the 3P • Identify various cost reduction levers & formulate the cost reduction strategy for execution • Compare the best-in-best element-wise Cost benchmarking among all existing 3Ps and drive the best for VIP, without compromising on the quality standards • Prepare the 3Ps with the Launch of new products scheduled to be on time • Develop the Business Continuity Plans for each of the 3Ps so that the supplies are always de-risked • Developing the vendor rating mode & Monitoring the Delivery Service level performance, Wastage control performance
Quality Standards, plant operations, factory operations, Launch Of New Products, Service Level
Manufacturing
Experience Not Provided
Mumbai, Maharashtra, India
Responsible for deal origination, obtaining credit approvals and implementation of financial solutions for a portfolio of clients spanning the Corporate banking clients. - Evaluating credit/risk profile of companies and structuring suitable financial solutions for them including structured finance, project finance, off-balance sheet finance, acquisition financing etc. - Maintain ongoing contact with operations in order to ensure smooth delivery of transactions. - Research and analysis on industries/clients/markets Corporate Banking
Corporate Banking, Project Finance, Structured Finance, Balance Sheet Finance, Deal Origination,
Business Analytics
Experience Not Provided
Mumbai, Maharashtra, India
Commercial Responsibilities: • Direct responsibility of P&L for the products/ ranges manufactured through these contract manufacturers • Scout for the new 3rd Party Partners & Assessing them for VIP compatibility • Capacity Assessment of new 3rd Party capacities/closure of existing unsecured capacities in line with demand changes • Assessment of Luggage product costing with the limited set of Inputs from the external sources & formulating the negotiations strategy with the 3P • Identify various cost reduction levers & formulate the cost reduction strategy for execution • Compare the best-in-best element-wise Cost benchmarking among all existing 3Ps and drive the best for VIP, without compromising on the quality standards • Prepare the 3Ps with the Launch of new products scheduled to be on time • Develop the Business Continuity Plans for each of the 3Ps so that the supplies are always derisked • Developing the vendor rating mode & Monitoring the Delivery Service level performance, Wastage control performance • Develop quick alternative plans during the times of material rejection to ensure no loss of sale due to the rejection • Guide & Handhold the 3P partners during the times of new induction to stabilize them • Lead all operational aspects for Contract manufacturing sites, including compliance, QA procedures, specifications, and adherence to the Supply Plan. • Develop an enterprise-wide operating strategy for Contract Manufacturers, including detailed workflows, transparent demand forecasts, the development and maintenance of contract agreements, and the establishment of an efficient sourcing pipeline • Work closely with stakeholders like Supply Chain Operations, Design, Sourcing, Procurement, Quality, Finance, Sales and other teams.
Manufacturing,
Manufacturing
Experience Not Provided
Mumbai, Maharashtra, India
Overall Job Description · Serve as a subject matter expert for IT Governance frameworks. Keep abreast of regulations and assist in monitoring and tracking actions to ensure continuous compliance. · Provide analytical support to the management team regarding governance, assurance, metrics, and reporting. · Work closely with different IT Groups to continuously identify, mitigate, and manage compliance risks. Ensure readiness to satisfy internal & external audit requirements. Perform Risk Control Self Assessment , assign risk severity score/rating and track / report the mitigation plans to remediate the risks identified · Convey information and ideas through a variety of channels , forums to individuals or groups in a manner that engages the audience and helps them understand and retain the message. · Review processes & existing policies/procedures and assist IT process owners in the creation and maintenance of these policies/procedures. · Support information assurance, highlight key control deficiencies and ensure regulator mandated compliance. · Maintain IT controls-related documentation for processes in support of regulatory and statutory requirements. · Promote and support a culture of continuous compliance, risk avoidance/mitigation, and skillfully communicate (verbal and written) IT governance objectives. · Support the evaluation of automation tools to promote operational efficiency & assist in the procurement of tools and internal/external resources to ensure proper execution of a continuous governance program. · Advises process owners on design and implementation of IT controls (manual and automated) into processes and systems using knowledge of IT risks and organization objectives. · Coordinate with Auditors and facilitate Audit findings closure by follow-up with respective teams. Facilitate IT functional maturity roadmap and facilitate improvements basis best practices model
IT Governance, Audit Findings, Risk Control Self Assessment, Key Control, External Audit, Manage Compliance, Mitigation Plans, Automation Tools, Design and Implementation, Operational Efficiency
Information Technology
Experience Not Provided
Mumbai, Maharashtra, India
Job Purpose: i. Manage business and distribution for Business Banking (self employed) LAP for all location Pan India. ii. Ensuring overall portfolio and revenue targets are met. . iii. Managing front line sales (RSM>SM/ASM) for driving business iv. Managing key/strategic relation like Corporate DSAs etc and other channels like Branch for creating lead funnel. Managerial Responsibilities i.Drive business plan of organisation. ii. Manage sales team to build LAP portfolio iii. Manage relation with stakeholders like Credit, Operations etc to ensure smooth loan processing and onboarding journey. iv. Manage various distribution channels v. Stakeholder management vi. Interpersonal skills Functional Responsibilities i. Develop & drive business plan and strategy for growth in business banking LAP portfolio ii. Create working plan for volume scale up (topline) with profitability for meeting defined target (NII, PF) iii. Develop and enhance channel sales and support functions (DSA, connector, Direct business etc) iv. Preparing a detailed input for P&L, budgets, employee of Regions. Demostrate sound knowledge of system, process and business and financial modelling. v. Manage compliance related aspects like covenant monitoring, audit compliances etc vi. Engage with credit and operations, risk management, IT, Compliance etc to improve and simplify various policies and processes vii. Participation in recruitment of Sales team including RSM/regional leadership viii. Establish team peeformance matrix, expectation and regularly review peformance. ix. Identify and provide skill based training to enhance capabilities of team x. Manage portfolio quality (delinquency) , profit, enhance productivity. xi. Manage cross sell and upsell of products xii. Manage assigned collection effort through sales team.
Business Banking, Business Loans, SME, Loan against Property, Lending, Manage Sales Team, Support Functions, Channel Sales, Risk Management, Stakeholder Management, Manage Portfolio
Sales
Experience Not Provided
Mumbai, Maharashtra, India