Credit Manager
15 hours ago
Job Description - Primary responsible is to underwrite self-employed applicants which includes both non-professionals and professionals. SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES Strategic/ Managerial Responsibilities Understands the KPIs/goals and takes full accountability to deliver. Responsible in decision making within the stipulated timelines. Core Responsibilities - Credit delegation authority to be exercised with all due diligence within the policy framework. - Adherence to the defined policy/process & timely decision on all applications being processed. - Interpretation of credit bureau reports, dedupe checks, assessment of financial statements, plotting financial tools/spreadsheets & evaluate financial ratios, analysis of bank statements, ascertain existing liability of applicant and overall arriving the financial eligibility in line with the policy. - To ensure all loan applications are processed within the defined turn-around time [TAT]. - Increase the efficiency of underwriting by reducing reworks and increasing FTR in all the activities carried. - Follow up with sales counterparts for pending cases to ensure both credit TAT and E2E TAT are met as defined by the senior management. - To check data entry quality is intact and error rate is minimal; periodic feedback to be shared with data entry vendors/ respective team. - To conduct customer tele verification / physical visits- personal discussion with applicants to understand the profile, business model, requirement, end-use, seek clarification if any etc. - To keep a track on market factors & identify the impact on credit portfolio & decisioning. - To keep focus on creating high quality portfolio. - Ensuring proper covenant management is done. People Management Or Self-Management Responsibilities - To interact closely with other functions such as Sales /Operations/ CSS/ Collections in ensuring smooth delivery of objectives. - Vendor management: To manage all risk vendors such as CPV, PD, CPA vendor and in-house CPAs wherever available. - To impart regular training and share feedback to improve quality. Risk And Internal Control Responsibilities - Audit & regulatory compliance on all aspects stipulated by central team. - Credit quality: Ensuring Nil PAR errors and Nil QM cases. - Credit authority delegation to be exercised without any instance of transgression of powers. SECTION IV: KEY INTERACTIONS Minimum Qualifications - Graduate with experience; Freshers if MBA or CA.- for PL - MBA /CA with minimum 2 years of experience. for all other RB Product Professional Certifications - Any professional / additional certifications shall be an added advantage. - Good understanding of financial analysis, P&L, balance sheet accounts. - for all other RB Product except PL Language Skills - Strong communication both oral & written in English with good negotiation skills. Experience Years of Experience - MBA or CA Fresher / Min 1 years of underwriting experience. For PL & New Car Loan - MBA or CA Fresher / Min 2 years of underwriting experience. - for all other RB Product Nature Of Experience - Credit underwriting of business loans, working capital -SME loans, Housing /mortgage loans preferred.
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Credit Manager
4 days ago
India Oyster HR — Global Remote Team Full timeJob Opportunity: Credit Manager (Part-Time)Oyster HR — Global Remote TeamAt Oyster HR, we partner with leading global businesses to help them hire, manage, and empower talent anywhere in the world. Our teams operate with a “360° ownership mindset” — meaning every role goes beyond traditional boundaries to serve broader business needs with agility,...
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Credit Manager
4 days ago
india Tata Capital Full timeDescription Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. Conduct personal discussion with customers to...
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Credit Manager
4 days ago
India Oyster HR — Global Remote Team Full timeJob Opportunity: Credit Manager (Part-Time)Oyster HR — Global Remote Team At Oyster HR, we partner with leading global businesses to help them hire, manage, and empower talent anywhere in the world. Our teams operate with a “360° ownership mindset” — meaning every role goes beyond traditional boundaries to serve broader business needs with agility,...
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Credit Manager
2 days ago
India Oyster HR — Global Remote Team Full timeJob Opportunity: Credit Manager (Part-Time) Oyster HR — Global Remote Team At Oyster HR, we partner with leading global businesses to help them hire, manage, and empower talent anywhere in the world. Our teams operate with a "360° ownership mindset" — meaning every role goes beyond traditional boundaries to serve broader business needs with agility,...
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RC - Area Credit Manager - Mortgages Credit
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