AVP - Unit Head, Trade Working Capital

To lead Business Banking team, supported by SRMs / RMs / ARMs, in order to grow the Asset & Liability book.
Manage the existing as well as new portfolio. Supervise the preparation of the respective segment credit facility
applications & proposals and coordinating facility approvals with the RCD.

Key Responsibilities:

• Manage BBU TWC team to build the Asset & liability book, manage the existing as well as new portfolio.
• To ensure timely reviewing and submission of credit proposals to RCD.
• Screen the business prospects solicited by SRMs/RMs and identify the profitable and bankable relationships.
• Supervise, review as well as prepare credit proposals for the bankable prospects and potential customers as well as for annual renewal of credit facilities of existing Asset relationships.
• Restructuring / revision of already approved credit limits to enhance profitability and minimize risk.
• Periodic visits to customer sites/warehouses/office/premises etc. in accordance with business policy in addition to any/if mentioned by risk.
• Address the credit queries raised on proposals and follow up for approval of proposed facilities.
• Review of reports such as exception reports, overdue reports, asset/liability maturity reports and follow-up with relevant stakeholders to address the shortfall or take required action accordingly in order to resolve the exceptions in these reports.
• Follow up with SRMs/RMs to minimize the exceptions to the credit policy, processes, procedures and documentation.
• Identification of delinquent / problematic relationships and strategy development to deal with such relationships.
• To conduct joint calls with SRMs/RMs where necessary.
• Assist the BBU Assets Head and all team members to respond to Audit observations prior to finalization of audit report.
• Explore possibilities to improve the profitability and quality of portfolio.
• Train, motivate and promote team to achieve targets while being approachable and accessible.
• Manage all team related matters in consultations with BBU Assets Head.
• Stern monitoring by way of prompt and frequent team meetings in order to scrutinize the performance of the team vis-a-vis targets.
• Track and deliver cross sells targets set for SRMs/RMs.
• Ensure weeding out high-risk businesses and nonperforming performance customer regularly.

All the above accountabilities includes but not limited to any additional/new tasks or responsibilities assigned
by the line Manager.

• Minimum bachelor's degree.
• Preferred MBA/ACMA/ACA/CPA/ACCA.
• Minimum 7-8 years of experience in Small /Mid/Corporate Banking, institutional financing, financial and risk analysis.