Area Credit Manager

2 weeks ago


new delhi, India RATNAAFIN CAPITAL Full time

Roles and ResponsibilitiesResponsible for assessing customers sourced by the Sales team in line with the credit policy, and determining deviations and exceptions.Handling credit underwriting of LAP and Business Loan cases in the mapped region including visiting the customers.Ongoing monitoring of accounts, deferral tracking including tracking developments in the industry and the account to identify stress and work with the business teams / credit managers in devising appropriate mitigation strategies wherever needed.Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy.Team ManagementMentor and guide the credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.Portfolio ManagementReviewing the portfolio monthly including analysis on the delinquent cases and suggest changes in current Credit policy.Managing the changes in Credit policy as per market requirement to maintain healthy portfolio quality.Preferred candidate profileCA/CFA.Experience as a Credit Manager in LAP/Mortgage/Business loan in Bank / NBFC.Experience in End-to-End processing of loan proposals.


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