Credit Policy Manager
5 days ago
Job Description
1. JOB DETAILS
Position title: Credit Policy Manager
Designation: Manager to AGM
Department : Credit (Organic)
Location: Kolkata
Experience : 10 yrs
Qualification : Post Graduate or MBA
2.REPORTING DIMENSIONS
Reports directly to: Head of Organic Credit
Reports indirectly to: Head of Credit
JOB SUMMARY
Risk Assessment of Credit Instruments through internal portfolio performances.
- Administration of the credit policies using technology and quality checks
- Portfolio watch to identify areas of potential opportunities and threats
4. Job Profile
Risk Assessment of Credit Instruments
- Data support for Biz Proposals
- Data support for Credit Proposals
- Competition Benchmarking through collection of information of credit processes, filters and thresholds
- Incorporation of regulatory clauses
- Analysis of trends through Industry data from CICs
- Preparation for Credit Committee
- MoM of Credit Committee
Credit Administration
- Raising BRDs following CC decisions
- UAT of the changes developed in the BRE
- Periodical scanning of Credit Filters to check adherence
- TTT of Qualitative Credit Assessment Clauses
Portfolio watch to identify areas of potential opportunities and threats
- Regular Portfolio monitoring
- Prepare data for Review and Recommendations in various review platforms
- MIS development and Coordination with the BI Team
- Field Interventions/ training on improving underwriting
Presentations
Data support for presentations in various meetings
EXPERIENCE, SKILLS
Understanding of Microfinance and knowledge of regulatory requirements, practices by the competitors, performance measurements, etc
- Handling of LOS and LMS
- Data Analysis using Excel
Data Presentation (Graph, PPT etc)
Desired knowledge
Understanding of Microfinance and knowledge of regulatory requirements, practices by the competitors, performance measurements, etc
7. Team Size (Mention Direct & Indirect Reporting's)
1 Reporting Member
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