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Job Id: 330
Job Title: Portfolio Head - VP - Mumbai
Industry: Banking, Financial Servcies & Insurance
Functional Area: Top Management
Salary: 26 Lac - 26 Lac
Job Location: Mumbai
About the Client

The company is India's Leading Non Banking Finance Company (NBFC) operating in Wholesale & SME Lending.

As part of the business activities,the company is predominantly focused into Asset Financing and Lending business. The Wholesale Lending Business segment provides specialized and holistic solutions to Indian corporates helping them build and grow their businesses with initial funding, mezzanine financing, acquisition financing etc. They focus on products in the structured credit space backed by adequate collaterals and cash flows to build a secured and quality wholesale lending portfolio.

Job Description

Designation : AVP/VP - Portfolio head

Location : Mumbai (Marine Lines)

Product & Policy framework :

*Prepare & Review the Products, Lending Policies and processes for entire operations of business as per the desired business plan

*Identify, present and execute innovative and creative product solutions

*Develops and streamline process flow for product delivery including query resolutions.

*Develop and deploy overall strategy and business model including profitability and lending framework for the organisation

*Key role to will include vetting the products from the Credit Risk, Legal and Compliance perspective.

*Conduct market research for new product development.

*Lead the development, approval, training, communication of product changes and their associated customer, operational, process and systems impact

*Display a high level of critical thinking in cross functional process analysis and problem resolution for existing products

*Oversee the coordination between various internal departments (marketing communication, policy, legal, compliance, operations, Customer Service, IT and sales).

Systems

*Preparing product wise business plan which consist of revenue vs Cost benefit analysis.

*Formulate the risk reward framework for each product and schemes with respect to Loss Given Default (LGD) / Probability of Default (PD) in line with regularity expectations.

*Increase portfolio size and profitability by tie-ups on a national level and to set guidelines for regional tie-ups.

*Provide management with comprehensive information about sales, costs, risks and profitability.Act as Consodian of P & L

*Monthly analyses of market and defining product segmentation, fixing competitive price for the products

Governance and Compliance

*Formulate and implement the Business Process Management Systems (BPMS) to ensure quality levels in all areas of work and impart the requisite training across levels .

*Will also be responsible for empanelment / management / termination / renewal of contracts for vendors, CPA’s and more.

*Ensure control on processes and adherence to approved policies

*To impart policy training at local levels to Credit Processing Associates (CPA), Vendors, Channel Partners and related members. Custodian of all Prouct & Policy guideline document.

Securitization Down sell

*Support the Securitization head in development of Secutization framework for the organisation and helping in closing deals for the org

*Responsible for down-sell and securitization of the SME&RA portfolio created by the business team in lines with the business plan, liquidity requirement and leverage and ROA requirement

 

Desired Candidate Profile

Any candidate having experience of working as a portfolio head for SME, LAP, Builder Funding, Corporate Finance & NBFC Funding business can apply.

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