Credit Manager

As the Credit Manager , you will be handling all credit functions and initiatives. You will be responsible for ongoing monitoring and credit reviews of the loan portfolio and recommending action steps based on our risk appetite.

Key Responsibilities:

Credit appraisals of loan applicants within defined policy guidelines

Assessing Credit Worthiness of the potential client by scrutinising the financials, credit history on the basis of documents submitted, market information,reference checks etc

Ensuring verification processes are followed in a systematic and timely manner

Timely Processing of the proposals to ensures the faster Tat

Ensuring adherence to the internal credit policy

Providing inputs to bring in best industry practices and revising credit risk policies and guidelines periodically

Monitoring the repayment history and taking necessary corrective actions

Closely tracking of delinquent customers and learnings from these are implemented for future cases

Appraising deviations basis mitigants, relationship, local market knowledge, etc.

Desired Candidate Profile

CA preferred

Demonstrable experience in NBFC/Banks

Proven experience in Unsecured business loans - Business (SME)

Analytical bent of mind & strong judgmental attributes

Excellent Communication and negotiation skills

Enthusiastic and dedicated with strong leadership skills