Associate Vice President/Head of Structured Finance Middle Office (SMO) - SG Bank India (Mumbai)

Job Summary: To lead and manage credit operations, regulatory compliance, operational risk, and KYC quality within a regulated banking environment. The role ensures end to end control over credit documentation, credit administration, collateral management, audits, KYC validation, regulatory reporting, and people leadership while maintaining zero major compliance gaps and strong governance standards.

Main Responsibilities:
•    Support people management through effective work allocation, oversight, and on the job coaching, taking into account learning needs related to regulatory changes, process enhancements and system implementations.
•    Execute end to end credit operations tasks, including approvals review, documentation preparation / execution, limit setup, and pre activation checks.
•    Manage collateral creation, charge registration (ROC, CERSAI), covenant tracking, and drawing power monitoring.
•    Ensure adherence to RBI guidelines, regulatory reporting requirements, and internal policies.
•    Support operational risk activities including RCSA, BCP, and BIA, and maintain accurate controls in MORSE Plus and MyControls.
•    Perform validation and quality checks of client KYC files to ensure compliance with AML, sanctions, and group standards.
•    Assist in audit management and timely closure of internal, external, and regulatory audit findings.
•    Handle escalations, coordinate with stakeholders, and support senior management reporting.
•    Participate in process improvement initiatives and support strategic local and regional GBTO/FTB projects.

Key Requirements:
•    Experience in credit operations, documentation, regulatory compliance, or banking back/middle office roles.
•    Understanding of customer KYC process and regulations will be an added advantage.
•    Working knowledge of RBI regulations, operational risk, and banking controls.
•    Strong attention to detail, data accuracy, and execution discipline.
•    Ability to work with multiple stakeholders and manage priorities effectively.
•    Experience with banking systems (e.g., Loan IQ, Transact, Imex) preferred.

Academic Background (degree and major):
•    Postgraduate degree (M.Com., MBA, or equivalent) with specialization in Banking, Finance, Accountancy, or Management.
•    Relevant certification as per RBI Capacity Building Policy.
•    A Law degree and Certificate in Project Finance would be preferred but are not mandatory.

Relevant Working Experience in number of years: Around 15 years of relevant experience in credit administration, monitoring, and documentation within banking.

Skills & Competencies required:
Technical Skills:
•    Strong knowledge of regulatory requirements related to credit administration, monitoring, and documentation.
•    Working knowledge of Project Finance and Structured Finance to support complex transactions.
•    Understanding of customer KYC process and regulations will be an added advantage.
•    Comprehensive understanding of credit policies, operational workflows, and compliance standards.
•    Familiarity with legal documentation and end-to-end operational procedures.
•    Proficiency in systems such as Loan IQ, Transact, and IMEX for credit administration and transaction processing.
•    Strong analytical thinking, attention to detail, and ability to manage deliverables under challenging timelines.

Behavioral Competencies:
•    Leadership: Ability to lead and motivate the team, delegate effectively, and foster a culture of accountability and collaboration.
•    Client Commitment: Ability to communicate clearly (verbal and written), anticipate stakeholder needs, and ensure client satisfaction while managing risk.
•    Team Spirit: Collaborative approach, openness to sharing expertise, and fostering a culture of knowledge exchange within the team.
•    Responsibility: Demonstrated ability to deliver exceptional individual and team performance

Language Skills: Proficiency in English (verbal and written).
Computer Skill: Proficient in MS Office and core banking systems.

Societe Generale is one of the leading financial services groups in Europe. Based on a diversified universal banking model, the Group combines financial strength with a strategy of sustainable growth, putting its resources to work to finance the economy and its clients’ plans. With a solid position in Europe and a presence in countries with strong potential, the Group’s 145,700 employees in 66 countries support 31 million individual clients, large corporates and institutional investors worldwide by offering a wide range of advisory services and tailored financial solutions.

Societe Generale was established in India in the year 1978. In 1985, Societe Generale Bank commenced operations as a Scheduled Commercial Bank in Mumbai. Since then it has a proud legacy of servicing corporates and clients. New branches were added in Delhi (1993).  Societe Generale not only offers an extensive product portfolio to different market segments, but customizes solutions in investment banking, global finance and global markets.

Societe Generale is an equal opportunities employer and believes that a diverse and inclusive workforce should be encouraged and recognized.