Assistant Manager – Business Banking Credit

This is a fully remote position, open to applicants in India.

📋 Description

• Evaluate Business Banking credit proposals and make credit decisions within the authorized limits.

• Ensure adherence to approved credit parameters, satisfactory internal and external system assessments, and validation of business cash flows.

• Analyze the strengths and weaknesses of proposals and suggest suitable risk mitigation strategies.

• Document and manage credit proposals in the designated credit workflow system, ensuring timely and accurate updates of decisions.

• Verify that proposals are consistent with Product Program Guidelines, Credit Policy requirements, and regulatory standards.

• Monitor and propose actions to improve team productivity and operational efficiency.

• Engage in strategic projects aimed at enhancing unit productivity and refining lending products, credit policies, and underwriting frameworks.

• Identify and evaluate exceptions or deviations from credit parameters, policy requirements, and collateral compliance standards.

• Report significant deficiencies, risks, and policy violations to the Assistant Manager.

• Meet daily productivity goals while ensuring high credit quality.

• Provide service to both internal and external stakeholders within established turnaround times and service standards.

• Take part in automation and digital transformation efforts.

• Assist in training, user acceptance testing, and implementation processes.

• Support the onboarding and on-the-job training of new team members.

• Promote collaboration, engagement, motivation, and knowledge sharing among team members.

• Identify gaps and opportunities for improvement in Credit Policies, Product Program Guidelines, and operational manuals.

• Suggest amendments to policies, enhancements to procedures, and improvements to products.

• Review operational processes and controls and propose enhancements.

⛳️ Requirements

• Bachelor's degree with 5 years of experience in a Credit Management setting.

• At least 2 years of experience in SME/Business Banking credit underwriting.

• Strong analytical skills.

• Effective interpersonal skills.

• Proficient in PC skills.

• Capable of problem-solving and working independently.

• Must be client-focused and results-driven.

🏝️ Benefits

• Competitive salary package.

• Opportunities for professional development and career advancement.

• Comprehensive health and wellness benefits.

• Supportive work environment that encourages collaboration and innovation.