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Location

India | India

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Job description

Job Description

BE PART OF A BANK LIKE NO OTHER.

When you work with the world's most innovative companies, you know you're making a difference.

Our clients are the game changers, leaders and investors who fuel the global innovation economy. They're the businesses behind the next medical breakthroughs. And the visionaries whose new technologies could transform the way people live and work.

They come to SVB for our expertise, deep network and nearly forty years of experience in the industries we serve, and to partner with diverse teams of passionate, enterprising SVBers, dedicated to an inclusive approach to helping them grow and succeed at every stage of their business.

Join us at SVB and be part of bringing our clients' world-changing ideas to life. At SVB, we have the opportunity to grow and collectively make an impact by supporting the innovative clients and communities SVB serves. We pride ourselves in having both a diverse client roster and an equally diverse and inclusive organization. And we work diligently to encourage all with different ways of thinking, different ways of working, and especially those traditionally underrepresented in technology and financial services, to apply.

Job Description:

The individual in the role of Senior Analyst – Risk & Quality Assurance Function at Credit Administration is responsible for supporting the AD - Risk & Quality Assurance in supervising and managing the risk and Quality Assurance function at SVB Credit Administration India. 

A Senior Analyst – Risk & Quality Assurance is an individual contributor acting as a member of Risk & Quality Assurance Function strengthening the Quality of risk management at Credit Administration function. The individual shall be responsible to review the quality of tasks performed by Credit Analysis team and share feedback on each of the samples reviewed. The individual shall be an expert in Portfolio Monitoring processes and shall act as a Subject Matter expert.

The Quality Assurance function is responsible for verifying that established standards and processes are followed and consistently applied. The QA function shall be using the results of QA reviews to assess the quality of policies, procedures, programs, and practices as relates to the management of portfolio monitoring and other areas of credit administration, as applicable. The results shall help management identify operational weaknesses, risks associated with function and/or processes, training needs and process deficiencies. The individual shall be responsible for developing methods to track accuracy and delivery, continuously looking for areas of improvement and publishing QA reports to management of respective business area, critical business partners and stakeholders as required.

The individual shall be responsible maintain the completeness and accuracy of all QA based controls and review and improve them from time to time. The individual shall be responsible to develop QA processes and Desk Top Procedures and ensure process artefacts are up to date as required.

This individual will mentor and coach a team of professionals dedicated to measuring and reporting on the accuracy and timeliness of the tasks performed by the Credit Analysis team.  He/She will work closely with the Associate Director – Risk & Quality Assurance at Credit Administration India and the Director / Leadership team of Credit Analysis to establish meaningful SLAs (Service Level Agreements) and KPIs (Key Performance Indicators) for the portfolio management work completed by the Credit Analysis team. 

The role involves providing oversight and guidance to team members.  General operations functions may include, but are not limited to:

Essential Functions

Quality Assurance

• Lead the implementation and ongoing delivery of a robust Quality Assurance function in accordance with the coverage universe.
• Undertake Sample based Quality review of the portfolio assigned and share the improvement areas with Credit Analysis team.
• Ensure Process deficiencies / potential sensitive issues are identified and escalated as appropriate.
• Assist to develop and establish QA policies, procedures, risk assessment and controls to drive effective QA Coverage and standards.
• Participate in developing, testing, and optimizing the QA models/checkpoints used to measure accuracy and efficiency of the Credit Analysis team. 
• Assist in the implementation of new policies, processes, and other related initiatives.
• Ensure Risks within the scope of the role/team are effectively identified, measured, monitored, and controlled, consistent with bank’s risk appetite and all policies and processes established within the risk governance framework.
• Ensure regulatory compliance, as applicable.
• Monitor and report SLAs and KPIs for the multiple processes.
• Work closely with Credit Analysis Director/ Leadership Team to identify specific errors as well as areas that may require additional remediation/ training.
• Ensure compliance with all SVB policies and procedures, as applicable basis scope of work.
• Provide Oversight and guidance over assessment of complex issues, structure potential solutions and drive effective resolution with stakeholders, as applicable

Business Partnering

• Work closely with the Credit Analysis – Director / Leadership Team reporting on quality issues in a timely manner to ensure they are remediated.  Follow up as needed for additional testing.
• Undertake change management for credit Analysis team and promote necessary culture changes (e.g., cross-skilling of resources)
• Interact with respective senior management at Credit Administration to ensure that QA protocols are adequate for all the portfolios under review.
• Interact with the LOB onshore counterparts for quick resolution of escalations.

People Management

• Ensure Ongoing and timely feedback and coaching of fellow QA Staff as an endeavor of group learning to sustain strong control culture and an unwavering commitment to excellence in execution.
• Provide new team members with adequate learning opportunities.
• Support training programs for the team leveraging subject matter expertise and experience.
• Act as a change agent coaching staff in areas with noted deficiencies and sharing any observed best practices.
• Conduct regular one-to-one or team meetings to assess any knowledge gaps and remediate them.

Core skills:

• Experience in Commercial Lending / Audit Function
• Excellent communication and interpersonal skills
• Ability to deliver 100% quality work.
• Efficient and well organized, able to work under tight deadlines.
• Outstanding attention to detail, accuracy, and ability to multitask.
• Ability to work in a team environment and coordinating with various stakeholders.
• Proven capability to work independently without hand holding and exercising sound judgment & initiative.
• Ability to be flexible with shift timings (2 pm – 11 pm)

Additional skills (good to have):

• Comfortable with commercial lending portfolio reporting and workflow tools.
• Coverage of innovation economy industries (like technology, healthcare, life sciences, etc.)

Competencies

• Exceptional Leadership Skills
• Accountability, working with integrity in all interactions.
• Self-motivated
• Attention to detail.
• Effective leadership skills
• Organizational skills
• Problem solving
• Time management

Required Attributes

• Strong understanding / Experience in commercial lending / Audit Function
• Excellent interpersonal and supervisory skills
• Ability to deliver 100% quality work.
• Proven ability to set strategy, targets, and achieve desired result.
• Ability to be flexible with shift timings (2 pm – 11pm)

Education and Experience

• Post Graduation – Management or Commerce / MBA (Finance) / Chartered Accountant / ACCA
• Up to 5-8 years of experience in credit risk management / Audit Function
• Exposure to US accounting, GAAP, and IFRS
• Advanced working knowledge of MS- Office tools like excel, PowerPoint.
• Knowledge of Power BI and Power Automate is desirable.
• Knowledge of SQL is an added advantage.

Certifications

None

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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.

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