Credit Manager

3 weeks ago

Chandigarh, Chandigarh, India Orange Shark Full time

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

(ref:iimjobs.com)

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