
Credit Manager
16 hours ago
Position : Credit Manager (Education Loan)
Experience : 2-5 Years [Only]
Department : Education Loan (Single Product)
Notice Period : Immediate to 60 Days
Locations : Chandigarh. [Local People]
Required Skills:
1. Experience in credit underwriting in Education Loans/Any loans.
2. Good communication skills in english.
4. PGDM/MBA/CA [Must]
Key roles and responsibilities:
- Maintaining Credit Quality as desired by the Senior Management
- Credit Appraisal Underwriting Maintaining quality of appraisal and TAT for decisioning of the case
- Meeting the loan borrowers and the applicants for personal interaction based on the risk profile of cases.
Basic knowledge of banking:
- Training provide training to internal team members and intra departments/channel partners
- Preliminary screening of borrowers profiles for maintaining the input quality of credit system.
- Process and Policy Understanding and Implementation
- First level document check for fraud prevention, data correction and information completeness.
Managing Delinquency ratios:
- Vendor Management
- Knowledge of Mortgage Industry and awareness of related risk
- Contribute to development of new techniques improvement of process and workflows by applying in-depth knowledge
- Develop recommendations to adjust credit policies by analysing credit and financial performance
Implementation of risk management tools, Initiate processes Improvement and Impart training:
- Adherence to credit decisioning parameters as per Credit Policy on loan proposals
- Initiate and Implement process improvements for better customer experience thereby maintaining the organizations risk appetite.
- Structured training to be imparted for both internal teams as well as business associates on a regular basis.
- Work along with business teams to ensure timely delivery and controlled quality
Fraud Risk:
- Risk analysis
- Analysing the local market and keep updating the central team on fraudulent colleges, negative areas and profiles
Relationship Management, Customer Service and Team management:
- Excellence in service delivery on business processes, Inter departmental relationship management skills, Customer oriented process improvement.
- Keen team player, Self-motivating personality, good people management skills and an excellent motivator
- Communication Graduate in any field; MBA in Finance a professional degree of of Chartered Accountant (CA) is preferable
Experience & Skills:
- 2-5 years of related work experience in the financial service sector
- Good Communication and report writing skills
- Good Knowledge of Computer applications
- Team Worker, Analytical skills, Self Motivated
- Result oriented
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