Associate, Credit Analyst, Small Medium Enterprises

To prepare credit proposals in a consistent, concise and lucid manner.

To maintain close working relationship with Business Unit to ensure that IBG deliverables are met.

Need-based meeting with customers to understand business and attendant risks.

Cross sell of other products such as trade, cash and foreign exchange.

To monitor portfolio for irregularities/ excesses/ breaches/ delays.

Ensure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA’s. Also ensure assistance to external & internal audits.

Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints.

Control and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.

Monitor levels of complaints and quality of handling.

Communicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes. Monitor and ensure adherence to risk service standards

Good written and verbal communication skills

Good Analytical skills.

Self-driven and highly ambitious

Results-orientated & the ability to handle pressure

Relationship building & management skills

Understanding of competitor products

Comfortable with tight deadlines

Sound understanding of asset products and associated technology platforms and operational procedures

Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical.

Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients

Close interaction with RMs / Branch Managers to ensure consistent on boarding of good quality customers and thereby assisting in delivery of Sales targets.

Close interaction with various stakeholders to ensure consistent and reliable service delivery to the customer.