02Requirements
Responsible for assessing customers sourced by the Sales team in line with the credit policy, and determining deviations and exceptions.Handling credit underwriting of working capital / channel finance / term loans cases in the mapped region including visiting the customers.Ongoing monitoring of accounts, deferral tracking including tracking developments in the industry and the account to identify stress and work with the business teams / credit managers in devising appropriate mitigation strategies wherever needed.Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy.
Team Management:
Mentor and guide the credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.
Policy & Product Development:
Identify areas of improvement in the existing process of Credit underwriting, Risk management & Operations & its implementation.Reviewing the Credit policies of other competitors to keep the Credit policy of the organization as per market standard, collecting the feedback on competitors policies & portfolio.Formulation of Credit policy within regulatory parameters & risk appetite of the organization.Ensure implementation & adherence of Credit policy through training of Sales, Credit & Operations team.Taking constant feedback from the team to clear any bottlenecks, solving issues & ensuring least attrition in the location.
Portfolio Management:
Reviewing the portfolio monthly including analysis on the delinquent cases and suggest changes in current Credit policy.Managing the changes in Credit policy as per market requirement to maintain healthy portfolio quality.CA, CFA or MBA from Tier institute. Prior work experience of upto 10 years in Credit Underwriting preferable in SME and Wholesale Credit.
Who can apply:
Only those candidates can apply who:
Salary:
Competitive salary
Experience:
No experience required
Deadline:
2035-01-01 00:00:00 .
