Associate Vice President Working Capital
CurrentEnsuring adherence to credit processes leading to proper assessment of proposals within acceptable risk parameters and pre-specified TATConducting healthy discussion with the other stakeholder/vendors, for faster decision and smooth functioning, rework minimization and keeping the productivity at optimum levels.Managing team and training new joiners for front end credit processes on competitive TATs including managing proposal flow in terms of client visit, recommendation, sanction and disbursement and Stock Audit completions.Ensuring the incremental portfolio build up without diluting the credit quality.Keeping the early delinquency, watchlist and exit account in control, NPA minimization, & adhering to all necessary underwriting standards per the credit policy along with identification of the current industrial trends, effects of the economic factors.Summarizing the risks and mitigates of EWS accounts, Pot NPA or low behavior score band accounts on an ongoing basis in terms of low churning, non-adherence to covenants, regular TODs, month end overdrawing and documenting the aspects & coordinating with the monitoring team to either resolve or mark it an exit account.Liasoning and coordinating with cross functional teams to have ongoing focus on the portfolio quality regarding timely credit decisions, complying credit processes, early identification of exit/weak accounts, strategizing smooth exit for these accounts,Generating synergies between Bank policies and market requirements and minimizing the probability of risk involved in business transactions thereby improving profitability.Discussion and providing best possible solutions, taking decisions in the interest of business on issues/concerns faced by the team at the location without deviating on policies and processes laid out.MIS Analysis and circulation in order to monitor TAT and review improvements with the team and ensure optimum productivity, analyze the portfolio for delinquency, slippages etc.
