Jobs at People Capacity Management

Responsibilities

• Deposit Mobilization & Business Development.
• Design, implement, and monitor deposit mobilization strategies to achieve the bank’s funding and liquidity objectives.
• Develop new deposit products and campaigns tailored to retail, SME, corporate, and institutional customers.
• Build and maintain strong relationships with high-value clients, corporates, government institutions, and other stakeholders to drive deposit growth.
• Conduct competitor analysis to identify deposit market trends and adjust strategies accordingly.
• Support the Head of Treasury in managing the bank’s balance sheet with a focus on funding mix, cost of funds, and liquidity ratios.

Qualification

• B.Sc Degree / HND qualification in Accounting, Banking & Finance, Economics, or a related field.
• Minimum of 5 years in treasury management, asset and liability management, or financial planning.
• Certification in Treasury Management (ACTM, CFA, CIBN) is an advantage.

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Responsibility

• Develop and maintain credit policies, procedures, and underwriting guidelines.
• Implement scoring models and risk-adjusted pricing strategies in collaboration with data and analytics teams.
• Oversee credit appraisal processes across products (personal loans, SME lending, etc.).
• Approve credit decisions within designated authority limits; escalate higher-risk cases.
• Monitor portfolio quality, delinquency trends, and early warning signals
• Lead a team of credit analysts and underwriters (if applicable).
• Train and mentor junior staff on credit processes and risk frameworks.
• Work closely with Product, Operations, Collections, and Tech to align credit strategy with business goals.
• Drive efficiency through digital KYC, credit bureau integration, and alternative data usage.

Requirements:

• Bachelor’s degree in Finance, Economics, Business, or related field; MBA or CA preferred.
• 3–5 years of experience in credit underwriting, credit risk, or related roles in financial services.
• Strong understanding of credit products, lending lifecycle, and risk metrics.
• Exposure to credit bureau reports, financial statement analysis, and scoring models.
• Experience with NBFCs, fintech platforms, or banks is highly desirable.
• Analytical mindset with strong decision-making and communication skills.
• Familiarity with regulatory guidelines (RBI, NBFC norms) is a plus.

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Responsibilities

• Client Relationship Management
• Develop, maintain, and deepen relationships with existing and prospective SME clients.
• Serve as the primary point of contact for SME clients, ensuring timely resolution of queries and concerns.
• Conduct regular client visits and relationship reviews to assess financial needs and propose suitable banking solutions.
• Identify, acquire, and onboard new SME clients to grow the bank’s SME portfolio.
• Proactively explore opportunities to cross-sell and up-sell financial products (e.g., loans, trade finance, deposits, treasury products, digital solutions).