Zonal Credit Manager- EML

Specific Responsibilities

Underwriting of SME (EML)

Team Management

Driving optimal use of the Loan Origination System and

Loan Management system

Maintain Credit TAT

Manage Credit Underwriting as per policy.

Monitor Delinquency and NPA to budgeted levels for the

product.

Manage Credit Cost as per approved budgets.

Give feedback to Credit Policy based on experience of

underwriting.

Data Slicing/ Analysis and publishing of the reports

PDD monitoring

Industry Analysis

Key Performance Indicators

TAT

Portfolio Quality

Quality of Appraisal

Cost Management

Implementation of Processes

Team Management

Experience Credit Underwriting Experience of minimum 8-10 yrs

Technical Competencies

Positive, pro-business attitude

Excellent Analytical skills

Communication and Presentation skills

Product knowledge

Ability to understand asset type and its viability

Ability to read and understand legal and technical

reports and valuations related to properties financed

by the company

Personal Attributes

Formal Qualification

Presentation Skills

Communication Skills

Analytical Skills

Sincere

Liasoning skills

Chartered Accountant / MBA (Finance- Full time )

Mandatory

What is mandatory & Desirable

Good communication skills

Good Financial Analysis Skill

Knowledge of Computer Applications

Internal Sales, Credit Underwriting team, HR, Admin, IT

External Customers, Agencies