AVP & Lead, Credit Management, Retail & Consumer Goods

Job Purpose: The purpose of this role is to take credit ownership from underwriting to obtaining necessary approvals for the assigned portfolio of clients across Retail & Consumer Goods (RCG) segment within the Wholesale Banking. Aside of ensuring all propositions are in compliance with Group Credit Policy and guidelines, the role’s purpose is also to provide guidance and expertise across full spectrum of product offering(s) working with Coverage & Product teams as also engaging with the client, where necessary, in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner. Key Accountabilities: Generic Accountability Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring. Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty. Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these. Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants. Ensures that appropriate Target Market Risk Acceptance Criteria and Credit Policy guidelines are followed as part of approval process. Conduct and where appropriate, guide a team of analyst(s), to conduct robust credit analysis and obtain appropriate approvals. Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making. Guides Coverage / Product teams on credit appetite and way and means to optimize the same to achieve optimal risk-reward balance as per established guidelines. Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation. Ensure accuracy of data being presented to various stakeholders including senior management Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories. Recommend amendments to the Bank’s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank’s risk strategy & policy Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented Job Specific Accountabilities Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities. Ensure credit processing & approval turnaround times as per agreed SLAs with Business Segment. Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions. Ensure all excesses, exceptions, overdue annual reviews, covenant deficiencies, ensuring current collateral valuations and deficiencies in terms and conditions vis-à-vis lending portfolio are monitored, controlled and addressed. Oversight the mark-to-market revaluation and margin monitoring process and liaise with the respective RMs to rectify any margin call situations. Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification. Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage. Manage problem credits closely, and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio. Ensure asset classification and provisioning is in line with statutory and policy guidelines including any risk downgrades. Providing senior level advisory support on credit policies, lending structures, documentations and guidance to business heads/units in managing complex credit risks, providing practical solutions. Contribute to enhancement of knowledge a

Key responsibilities: Actively participate in client relationships through visits and conference calls as part of transaction origination and structuring. Provide ongoing feedback and expert input into deal structures in line with Bank Risk Appetite for products, industry, sector, geography, and counterparties. Advise Relationship Managers on risk factors in complex transactions and essential mitigating clauses. Participate in and represent credit during due diligence with Coverage and Product teams, ensuring emerging risks are identified and mitigated. Ensure adherence to Target Market Risk Acceptance Criteria and Credit Policy guidelines during the approval process. Lead and, where appropriate, guide a team of analysts to conduct robust credit analysis and obtain approvals. Ensure timely availability of information for credit decision making by Head of Credit / Unit Head. Guide Coverage and Product teams on credit appetite to optimize risk–reward within policy. Coordinate with internal counterparts (e.g., CAD, Legal) to provide risk assessment guidance, risk rating, and documentation. Ensure data accuracy for risk presentations to stakeholders, including senior management. Update risk systems (risk rating models, collateral management) to accurately identify risk profiles/ratings across asset classes. Recommend amendments to credit policy, procedures, risk rating models, credit memorandums, and risk criteria aligned with lending experience and market conditions. Maintain satisfactory audit ratings through proactive actions and implementation of recommendations. Prepare comprehensive credit papers outlining key risks, mitigations, and recommendations for approval for prospective and existing clients. Coordinate with Relationship Managers ahead of annual reviews to gather necessary borrower information for credit facility reviews. Ensure credit processing and approval turnaround times meet SLAs. Conduct periodic client meetings/calls with RMs for prospective and existing clients. Monitor accounts and ensure compliance with approval terms; address excesses, exceptions, overdue reviews, and covenant deficiencies; monitor collateral valuations. Oversee mark-to-market revaluation and margin monitoring, addressing margin calls with RMs. Review exception and portfolio reports to stay informed on client conduct and developments; advise on changes in risk appetite, ratings, or classifications. Identify early warning indicators and coordinate actions with Business Units to address issues. Manage problem credits with remedial actions and strategy; identify defaulters and arrange immediate remedial measures to maintain portfolio quality. Ensure asset classification and provisioning align with statutory and policy guidelines, including risk downgrades. Provide senior advisory support on credit policies, lending structures, and documentation to business heads/units for complex credit risks and practical solutions. Contribute to knowledge enhancement within the team.