AU SMALL FINANCE BANK | Credit Manager | pune

3 weeks ago

pune, India AU SMALL FINANCE BANK Full time

Role: Regional Credit Manager Business Banking, Pune

Vertical: Business Banking

Department: Credit

Relevant Experience:- 10+ years of credit experience.

Functional Competencies:

  • Accountable for the entire credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses.
  • Have a thorough knowledge of credit-related laws.
  • Be willing to periodically travel to customer sites.
  • Expected to travel to customer locations on short notice to conduct negotiations.

Job Responsibilities:

Financial:-

  • Responsible for maintaining the quality of the portfolio, by maintaining the desired delinquency levels as defined in the budget
  • Should maintain the credit costs and budget for credit as decided.

Non-Financial Responsibilities

  • Manage a region for credit underwriting with the help of Credit Managers.
  • Maintain a department organizational structure sufficient to meet all goals and objectives.
  • Properly motivate the credit and collections staff.
  • To train the Credit Managers adequately to perform their tasks.
  • Recommend changes in the credit policy to senior management, if required.
  • Create a credit scoring model after analyzing the segment.
  • Manage customer credit files.
  • Should travel extensively to various locations being managed by him/her. Should travel for a minimum of 10 working days in a month.
  • Should ensure all important clients across his regions is met up personally.
  • Monitor the credit granting and updating process.
  • Personally investigate the largest customer credit applications.
  • Monitor periodic credit reviews.
  • To pass on good practices and learnings of various locations managed, across the region.
  • Recommend changed to the Product team on the basis of on ground credit underwriting experience.
  • Measure department performance with appropriate metrics.
  • To ensure delinquency levels are totally in control and in line with the budget.
  • Manage relations with credit reporting agencies.
  • Manage relations with credit insurance providers.
  • Manage relations with the sales department.
  • Should have a good network in the credit fraternity to be updated on latest industry trends and risks.
  • Maintain the corporate credit policy

Compliance & Risk Responsibilities

  • Should ensure KYC is duly maintained and other credit checks as suggested by RBI is duly adhered to.
  • Implement and maintain complete control aspects i.e., financial analysis of statements of accounts, documentation, periodical client visits call reports.

Behavioral Competencies:

  • Judgment and Decision Making
  • Should have strong quantitative skills.
  • Good written and verbal communication skills
  • Good presentation and negotiation skills
  • Good networking skills
  • Eye for detail and identification of early warning signals.


Qualification: Chartered Accountant/CMA/MBA

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