Credit Risk Manager

2 days ago


Rajkot, Gujarat, India Ratnaafin Capital Pvt Ltd Full time
About the Role

Ratnaafin Capital Pvt Ltd is seeking a skilled Cluster Credit Manager to join our team. As a key member of our credit department, you will be responsible for underwriting secured and unsecured loan proposals for our customers.

Key Responsibilities
  • Underwriting: Review and approve loan proposals based on our company's policies and procedures, ensuring compliance with agreed Service Level Agreements (SLAs) and managing business volumes.
  • Team Supervision: Lead a team of credit underwriters, providing guidance and support to ensure successful loan processing.
  • Customer Interaction: Conduct personal discussions with customers to assess their creditworthiness.
  • Delinquency Management: Identify and address potential delinquencies by promptly contacting customers.
Secondary Responsibilities
  • Portfolio Management: Regularly review and analyze the performance of our retail credit portfolio, providing recommendations for adjustments as needed. Contribute to portfolio management initiatives, such as limit increases and loan postponements.
  • Process Improvement: Recommend changes to improve service efficiency and quality, as well as suggest improvements to our Retail Banking business processes.

We offer a dynamic and challenging work environment, opportunities for growth and development, and a competitive compensation package. If you have a strong background in finance and credit risk management, we encourage you to apply for this exciting opportunity.



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