Credit Policy Manager

4 weeks ago


Kolkata, India Arohan Full time

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

  1. JOB SUMMARY

  2. Risk Assessment of Credit Instruments through internal portfolio performances.

  3. Administration of the credit policies using technology and quality checks
  4. 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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