The Role
The Zonal Credit Head will lead the SME/MSME credit team, approve credit exposures, manage credit portfolio quality, and evaluate client performance through financial analysis.
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
- CA/MBA Finance
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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.
