Cluster Credit Manager

1 month ago


rajkot, India Ratnaafin Capital Pvt Ltd Full time

Qualification: CA or MBA- Finance is desirable.

Preference: Min. 4 to 5 years’ experience in high value SME underwriting.

Primary Responsibilities:

  • Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies procedure to honor the agreed SLAs and manage area business volumes.
  • Supervise a team of credit underwriters and provide guidelines.
  • Conduct personal discussion with customers to establish credit worthiness.
  • Control and contain front-end delinquencies by calling up customer on first presentation.


Secondary Responsibilities:

  • Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc.
  • Recommend process changes in order to improve service efficiency and quality across the assigned area.
  • Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high quality customer service


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