01Overview
Job Description
BRANCH UNDERWRITING:
Piramal Capital & Housing Finance ltd., as a commitment to serve all lending needs of consumers of Bharat is hiring Credit manager for its retail business. The person will be responsible for analysing the customer credit profile including financials and cash flow analysis for both salaried & self-employed segments, conducting personal discussions and underwrite / sanction the case.
EXTERNAL:
Customers
Vendors
Internal auditors
Credit Bureaus
KEY STAKEHOLDERS:
Credit Head for HFC
Risk & Compliance team
Credit Analyst and Operations
Legal team
Sales team
Collections team
ESSENTIAL SKILLS:
Knowledge of local markets and trends in retail lending
Understanding of local business and micro economy
Ability to work under tight deadlines and to prioritize conflicting and changing priorities
Keen understanding and focus on risk, controls, compliance and regulatory framework
Ability to liaise with internal stakeholders and cross-functional teams
Strong customer focus and management of stakeholder expectations
Strong analytical & communication skills (written & verbal)
Should be willing to adapt to digital tools and processes
QUALIFICATION:
Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate
1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME)
Deep experience & understanding of retail financial services across NBFCs, banking
Key Skills
Finance Manager
Credit Control
Credit Appraisal
Credit Underwriting
Credit Management
Credit Operations
Credit Manager
Industry
Banking / Financial Services / Stock Broking
Functional Area
Financial Services / Banking, Investments / Insurance / stock market / Loan
Qualification
B.Com, M.B.A/PGDM, M.Com, CA, CS, ICWA
About SMS Consultancy Pvt Ltd
SMS Consultancy Pvt. Ltd. is Established in 2002, well known and trusted name in Orissa in resettlement solutions. We have served many people in Orissa, for more than three year now, helping them in Immigration, settlement, overseas education and job assistance in abroad. We have business associates in India as well as in abroad .
