CredRight - Regional Credit Manager (12-14 yrs)

2 months ago

BangaloreCoimbatore, India iimjobs Full time

Regional Credit Manager


WHO WE ARE:
CredRight Finance is a new age FinTech platform & NBFC, driven by an inspiring mission to empower Micro & Small Entrepreneurs [MSMEs] which do not have access to organized credit from financial institutions [like Banks and NBFCs]. With its Technology first approach,CredRight is providing customized loan offerings to MSMEs from Tier 2 to Tier 4 towns of India to achieve its Financial Inclusion mission.

Job Description:

Looking for regional credit Manager who has prior experience in Business Loan Under Writing Pre & Post Sanctioning Process, Team Handling, Credit Appraisal Unsecured Loans Process.

Roles and Responsibilities:

- Manage a Team of 10-20 Credit & Operations Officers based out of the Hyderabad Office to ensure better productivity and quality.

- Supporting the Team in credit rating evaluation and underwriting processes of new business loan products.

- Mentor team for managing pre-sanction diligence and post-sanction monitoring of account

- Train the team of Credit & Operations Officers, provide them guidance in day-to-day activities and monitor loan origination malpractices and frauds.

- Recruit, train & build a high-performing field Underwriting Team for ensuring the adherence of credit policies and processes.

- Verify the Business Loan underwriting process; loan appraisal, appraisal review, review of credit bureau reports and loan application along with KYC and other supporting documents submitted by Sales Managers.

- Recommend or Approve MSE loan proposals as per the product/policy and as per delegated powers.

- Provide suggestions on the MSE Business Loan appraisal system to make the process more efficient to minimize the risk and maximize the quality of the loan portfolio.

- Keep Industry and market changes in mind while recommending and approving cases. Generate market intelligence on emerging risks including competition in our markets.

- Assist Management to make loan portfolio quality analysis and share the findings with Regional and Area managers for taking required action to improve the quality.

- To monitor nonstarters/Cheque bounce trends, the incumbent will also be required to interact with the customers in the portfolio on an ongoing basis for credit-related issues.

- Coordinate with Collection Team on recovery of loan delinquencies and ensure 100% loan recovery.

- Make regular Branch & Field visits and review the loan appraisals and sanctions made by the CPOs.

- Preparing dashboards with efficiency and productivity ratio analysis.

- To ensure Audit compliance and regulatory compliance for the location.

Desired Candidate Profile:

- The person should be a Graduate/MBA from a recognized institution with a minimum of 12+ years of experience in Credit Underwriting in Banks or NBFCs.

- Strong knowledge of the Credit Underwriting process and policy for business loans.

- Mandatory supervisory experience in Credit Management is a must.

- The candidate should have handled a team of at least 5-10 members.

- Should have handled Unsecured/Secured Business Loans of ticket s between 3-20 Lakhs.

- Excellent oral and written communication, with proven skills in consulting with internal business clients and external customers

- A versatile, dynamic candidate who demonstrates initiative, is results-oriented, and flexible.

- Strong leadership capabilities evidenced by the ability to gain the trust of, negotiate with, influence, and motivate a diverse group of stakeholders of varying levels.

- Ability to drive change and improve the end-to-end processes with a strong, proven track record in business process re-engineering and systems analysis

- Should be able to speak and read Kannada & English for Bangalore location and Tamil & English for Tamil Nadu location. Knowledge of Hindi will be an added advantage.

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