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Credit Manager

2 months ago

mumbai, India Safecap Finance Pvt Ltd Full time

As the Credit Manager , you will be handling all credit functions and initiatives. You will be responsible for ongoing monitoring and credit reviews of the loan portfolio and recommending action steps based on our risk appetite.


Key Responsibilities:

· Credit appraisals of loan applicants within defined policy guidelines

· Assessing Credit Worthiness of the potential client by scrutinising the financials, credit history on the basis of documents submitted, market information,reference checks etc

· Ensuring verification processes are followed in a systematic and timely manner

· Timely Processing of the proposals to ensures the faster Tat

· Ensuring adherence to the internal credit policy

· Providing inputs to bring in best industry practices and revising credit risk policies and guidelines periodically

· Monitoring the repayment history and taking necessary corrective actions

· Closely tracking of delinquent customers and learnings from these are implemented for future cases

· Appraising deviations basis mitigants, relationship, local market knowledge, etc.


Desired Candidate Profile

· CA preferred

· Demonstrable experience in NBFC/Banks

· Proven experience in Unsecured business loans - Business (SME)

· Analytical bent of mind & strong judgmental attributes

· Excellent Communication and negotiation skills

· Enthusiastic and dedicated with strong leadership skills