Zonal Credit Head - SME & MSME| Mumbai

• Zonal Credit Head will manage a team of Credit Analysts, Approve SME/MSME cases within delegated powers.
• Responsible for quality of the credit portfolio of the region, shall be able to contribute towards process/policy/product changes related to credit.

• Lead and develop the SME/MSME credit team, guiding them to meet objectives.
• Assess and approve medium ticket credit exposures, evaluating client performance through financial analysis and industry insight.
• Collaborate with business and clients to structure beneficial facilities.
• Own the quality of the regional SME/MSME portfolio, implementing controls and monitoring for improvement.
• Track industry developments and propose portfolio changes.
• Provide independent credit risk assessment, reporting loan book performance comprehensively and timely.
• Liaise with auditors to address any audit observations.

Qualification: CA/ MBA Finance

Experience: 10 to 20 years.