Director Credit Analysis

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Job location – Bangalore

Director of Credit Analysis will be responsible for the growth and management of credit functions in the SVB India center. He/she will manage, and drive delivery of portfolio management functions performed by the team, including client financial spreading, portfolio review, covenant calculations, borrowing base calculations, and compliance reporting for the lending teams. He/she will work very closely with Credit Head to facilitate continuous improvement initiatives contributing towards the growth of the SVB India and promote a strong culture as set up by the U.S. and India leadership within the team. To support these efforts, an experienced individual is needed to build and manage the credit function team in SVB’s India Center in Bangalore. The person in this role will need to possess superior relationship development skills, solid communication skills, people management skills and be accretive to Silicon Valley Bank’s culture. He/she will report to the India Head of Credit Administration

Essential Functions:

This role involves leading directly and through team managers the end-to-end operations of functions supporting multiple Lines of Business (LOB) which impact the bank’s overall growth goals. The Director would work closely with the India Credit Head to create a culture of innovation that develops efficient/accurate processes, procedures and controls for sound execution, and should possess an expanded skill set that can be applied to resolve any complex, moderate or non-routine issues related to credit operations and team management. He/she should also make sure that internal team goals align with the overall organizational goals (including LOB expectations). General operations functions may include, but are not limited to:

Development And Growth

• Assist the Credit Head to help set the mission and vision of the India Credit Services team in alignment with the overall strategic and operational objectives of the organization.
• Ensure accurate production and on-time delivery of credit processes to the US and assist CA team and lending teams/US counterparts with problem-solving across LOBs.
• Strengthen relationship with global stakeholders and leadership.
• Ensure that a best-in-class control environment exists internally within the team.

Issue Mitigation And Resolution

• Maintain the integrity of internal systems supporting credit processes (e.g., Moody’s CreditLens, nCino)
• Work with internal team members and other business teams to resolve operational issues, as identified.
• Oversee the management of risks that impact the GDC team and overall business and operations.
• Overall, monitor and ensure all the credit related controls are appropriately enforced and addressed as per the regulatory and credit risk policies.

Quality and Compliance

• Ensure high level of quality and accuracy of services and adhere to all SLAs and turn-around time for the respective LOBs
• Enforce utilization of SVB tools and systems to support portfolio management including Moody’s CreditLens spreading software, nCino loan underwriting platform, and Compliance Tracker, among others
• Conduct governance meetings with US stakeholders from various LOBs on timely basis
• Provide timely and accurate feedback to team managers.

Operational Excellence

• Contribute towards improving the ways of working in the team with the changing market dynamics.
• Ensure planning and execution of initiatives related to operational excellence.
• Identify and drive opportunities on business enablement and adoption of emerging technology-based products and capabilities in partnership with the cross-functional business teams.
• Build relationships with internal/external stakeholders, collaborate effectively to resolve disputes; proactively identify, analyze and champion continuous improvement efforts (e.g., introduction of new tools, models, and processes) to deliver quality outcomes within the GDC
• Play an active role in sourcing and hiring of new team members; provide coaching and feedback to the team members

Knowledge

• Good understanding of Portfolio Monitoring and Financial Spreading and related advanced/new technologies which could be leveraged to enhance current capabilities and build new ones for credit processes.

Skills

• Strong understanding of credit operations activities in commercial lending domain
• Excellent communication skills
• Supervisory skills
• Excellent interpersonal skills 
• Experienced internal and external business leader
• Work with people of diverse skills and personalities
• Strong attention to detail
• Detail oriented
• Ability to be flexible with shift timings (2 pm – 11 pm)

Competencies

• Accountability
• Attention to detail
• Influencing without authority
• Internal /External Customer focus
• Fostering Teamwork
• Problem solving
• Time management

Education and certifications:

• Bachelor’s degree in commerce/accounting/finance or a related field of study
• MBA (Finance) / CA qualified

Experience:

• Deep expertise and 15+ years of experience in credit domain=
• Deep experience in credit support functions, loan origination, and financial analysis

Education and certifications:

• Professional certification e.g. CFA / FRM

Experience:  

• Proficiency in Moody’s Credit Lens, nCino and other standard banking/credit tools preferred
• Experience of working within Banking/ Financial services industry
• Strong knowledge on GAAP Accounting / International Financial Reporting Standard

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Equal Employment Opportunity

Silicon Valley Bank is an equal opportunity employer and is dedicated to expanding its commitments and investments to create a more diverse, equitable and inclusive company culture and innovation ecosystem. We are strongly committed to the values and policy of equal employment opportunity across our employment practices.