The Role
Leads a regional SME/MSME credit team, approving credit exposures within delegated authority and assessing client financial performance and industry conditions. Owns portfolio quality, implements credit controls, supports facility structuring, monitors loan book performance, recommends policy and product changes, and resolves audit observations. Requires strong financial analysis, credit risk assessment, leadership, and stakeholder management skills.
Summary Generated by Built In
- 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.
Skills Required
- Chartered Accountant (CA) qualification
- MBA in Finance
- 10 to 20 years of professional experience
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The Company
What We Do
CSB is a full service bank established in 1920 and headquartered in Thrissur, Kerala. CSB has over 703 branches covering not just the district headquarters and large towns but also semi-urban and rural centers. Thanks to its unique origin and history, CSB is considered a household banking brand in Kerala. CSB offers Retail, Wholesale and SME Banking services through its footprint of over 703 branches across the country serving over 2 million customers.
