Head - Corporate Lending - Bank (12-16 yrs)

Key Responsibilities:

1. Strategic Leadership:

- Develop and execute the corporate lending strategy in alignment with the company's growth objectives and risk appetite.

- Identify new business opportunities and markets for corporate lending, including structured finance, term loans, working capital loans, and other tailored financial solutions for corporates.

- Manage and expand the portfolio while maintaining high asset quality and profitability.

2. Business Development:

- Build and nurture relationships with corporate clients, financial institutions, and industry leaders to drive business growth.

- Lead and mentor the business development team to achieve sales targets and grow the loan book.

- Evaluate market trends and emerging opportunities to expand the client base and diversify the corporate lending portfolio.

3. Credit Risk Management:

- Oversee the credit evaluation process, including financial analysis, creditworthiness assessments, and risk identification.

- Ensure a robust credit approval framework and monitor adherence to credit policies and regulatory requirements.

- Work closely with the risk and compliance teams to ensure timely identification and mitigation of credit risks.

4. Team Leadership & Development:

- Lead, motivate, and develop a team of relationship managers, credit analysts, and loan officers to achieve business objectives.

- Foster a high-performance culture and provide guidance on complex transactions, negotiations, and client relationships.

- Promote cross-functional collaboration with legal, compliance, risk, and finance teams to ensure seamless execution of deals.

5. Operational Excellence:

- Optimize lending processes to ensure efficiency, accuracy, and compliance with internal and external policies.

- Regularly review the portfolio performance, identify early warning signs, and take corrective actions to maintain asset quality.

- Implement best practices and continuously improve credit and operational policies to enhance service delivery.

6. Regulatory Compliance:

- Ensure compliance with all regulatory guidelines and statutory norms related to corporate lending, including those issued by RBI and other relevant authorities.

- Keep abreast of changing regulations and industry standards, ensuring the company's corporate lending practices remain compliant and competitive.

7. Reporting & Analytics:

- Provide regular reports to senior management and the board on portfolio performance, profitability, risk exposure, and market trends.

- Use data analytics to track and forecast performance, identifying potential growth opportunities and risks.

Key Skills and Competencies:

- Deep Knowledge of Corporate Lending: Extensive understanding of corporate finance, structured lending, and large-scale loan products.

- Strategic Acumen: Ability to think strategically and execute plans to achieve business growth and profitability.

- Strong Analytical Skills: Proficiency in credit analysis, financial modeling, and risk assessment.

- Leadership Abilities: Proven track record of leading and motivating teams to drive performance.

- Relationship Management: Strong networking and client relationship-building skills, with experience dealing with C-suite executives and decision-makers.

- Risk & Compliance Knowledge: In-depth knowledge of regulatory requirements in the NBFC sector and the ability to navigate the complex regulatory landscape.

- Result-Oriented: Ability to set and achieve ambitious goals in a fast-paced, target-driven environment.

Qualifications:

- MBA/PGDM in Finance, Economics, or related field from a reputed institute.

- Minimum of 12-15 years of experience in corporate lending, with at least 5 years in a leadership role within an NBFC or bank.

- Proven track record of successfully managing large corporate lending portfolios.

- Strong understanding of the regulatory environment for NBFCs in India

Only Females