Credit Manager-Semi formal LAP

ROLEPURPOSE & OBJECTIVEExpertknowledge of assessing credit risk for large ticket size cases upto Rs. 1 Cr.Conductincome appraisal of MSME borrowers. In depth understanding andanalysis of P & L Account and Balance Sheet including cashflows of self-employed borrowers.Assessfinancial ratios, in depth knowledge of rational behindcalculation of ratios and its impact on loan performance overlong tenures.ProvideMarket intelligence from competition and customers standpointRecommendationson new processes & fraud Control initiative etc.SIZEOF THE ROLEFINANCIALSIZENON-FINANCIALSIZEPortfoliosize of Rs Cr10-15vendors (legal, technical etc.)1product (secured)25-30files per monthKEYDUTIES & RESPONSIBILITIES OF THE ROLEBusiness/Financials (Only Relevant roles)Underwritingtarget customer by self and supervising the team to support forbuilding of a performing portfolio.Evaluatevarious collateral types for their value and title documentationrequirementsParticipatein collection of dues from customers to maintain low delinquency.EnsureCredit policy and process adherence by monitoring and timelyreview of processes and execution.SuggestPolicy revisions in line with changing market conditions.Customer(Both Internal & External)Appraisevarious Customer segments in various for markets defined by thebank as area of operation for lending.Co-ordinatewith Legal & Technical Agencies for quality and timelydelivery of credit reports.Meetappropriate customers for understanding of their needs andConduct underwriting and renewals for cases under purviewCo-ordinatewith functions like operations, FCU, risk, business andtechnology for effective delivery to end customers.Ensurevarious reports are being sent to stakeholders on monthly basis &at regular frequencies.InternalProcessTimeto time Intervention to manage ground level risk effectively.Fulladherence to RBI regulations on documentation and KYC compliance.LUCand periodic loan monitoring frameworkProvideAudit Compliance.Timelyhiring of Credit Officer for the location as per the budgetInnovation& LearningTimelytraining to branches in the location.Maintainup to date knowledge of MSE and other related products.Upgradeself and team about changes happening in the market.Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectivesPerformon time appraisal and suggest suitable career paths for staffMINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLSEducationalQualificationsMBAin Finance from a reputed college (B.Com, M.Com with relevantexperience)ExperiencePreferredexperience of 2/3 years or more in Credit MSME Loan products interm loans and working capital limits.FunctionalSkillsKnowledgeof Credit in MSME Loans including term loans and overdraftsKnowledgeof financial analysis & cash flow determinationEvaluateand assess collateral security/collateral documentation adequatefor the lendingBusinessAnalysis SkillsCommunicationSkills.BehavioralSkillsTeamManagement SkillsLeadershipPossessesgood interpersonal skillsKEYINTERACTIONSINTERNALEXTERNALRegionalCredit Manager, Area Credit Managers, Regional Business Managers,Area Managers, Product Managers, Credit Officers/CPAVendors& ConsultantsVigilanceManagers, Legal Managers, Audit Manager, Risk Managers, CollectionManagerCustomersand CommunityOperationsManager, IT Manager and Service Quality ManagerCompetitors& Other credit agenciesRecruitmentManager, State HR, Payroll Manager ,Branch Manager & Accounts ManagerAuditorsLocation - Anupshahr , Bengaluru , Coimbatore , Erode , Hosur , Hyderabad , Krishnagiri , Madurai , Magadi , Mysuru , Paramathi-Velur , Peenya , Salem , Tiruppur , Tumkur , Udumalaipettai