Credit Manager

3 weeks ago

Bengaluru, India Ujjivan Small Finance Bank Full time

ROLE PURPOSE & OBJECTIVE

  • This role is responsible for Credit analysis along with training of junior credit analyst/RMs.
  • The incumbent will manage the best quality of assets/investments generated by FIG/Treasury in accordance with regulatory standards.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE.


Business/ Financials:


  • Ensuring complete credit under-writing and due diligence of the existing as well as prospective client within defined TAT
  • Ensuring best quality of portfolio / investment of FIG/Treasury through Regular review of portfolio / covenant breaches
  • Training of Junior Credit Analyst /RM
  • Provide development opportunities to the team and ensure career paths and succession plans are charted out, reviewed and updated
  • Handling Internal/Statutory/RBI audit in coordination with various other teams
  • Handling Compliance related issues


Customer:


  • All NBFCs/MFIs/Corporate entities/Banks/Broking entities in the portfolio being managed.
  • Client meeting to understand their on-ground functioning & actual performance while reviewing any proposal.


Internal Process

  • Writing notes adhering to internal policies & RBI guidelines on Lending/investments to NBFC/MFIs/Corporates/Banks/Broking entities of bank.
  • Review & updation of internal policies of the group at regular interval.
  • Regular monitoring of portfolio & covenants


Innovation & Learning


  • Updated with latest developments in the market & informing the same to all relevant stake holders at appropriate time.

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