Business Credit Manager

Job Overview:

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• This role focuses on evaluating and managing credit risks for unsecured business loans. It involves analyzing applicant financials, assessing their creditworthiness, and making informed decisions about loan feasibility.">
• You will engage with applicants to gather loan application information, conduct site visits to assess their financial situations, and ensure pre- and post-sanction credit risk compliance.">
• The incumbent will handle the complete credit and backend process at a branch level, train resources on credit operations, and sales documentation.">
• In addition, you will collaborate with third-party vendors to track completion of necessary verification checks for loan applications.">
• This position requires maintaining turnaround times for UBL proposals at an acceptable level, managing overall credit and risk functions for assigned areas or locations, and facilitating business teams to achieve monthly and annual targets.">
• You will also be responsible for ensuring adherence to credit policies and defined processes, providing inputs for designing and implementing credit policies and programs, as well as monitoring competitor products and policies.">
• Furthermore, you will maintain portfolio quality, control delinquencies through portfolio reviews, oversee collections and delinquency management, and coordinate with operations teams for disbursal, OTC, and PDD processes.">
• Your responsibilities will also include hiring and managing credit resources, handling attrition and performance management, ensuring audit and regulatory compliance for assigned locations or areas, and taking reference checks for prospective borrowers from market links and existing lenders.">
• Last but not least, you will coordinate training programs for credit and sales teams and manage MIS for the vertical.">

Key Responsibilities:

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• Evaluate and manage credit risks for unsecured business loans.">
• Analyze applicant financials, assess their creditworthiness, and make informed decisions about loan feasibility.">
• Engage with applicants to gather loan application information, conduct site visits to assess their financial situations, and ensure pre- and post-sanction credit risk compliance.">
• Handle the complete credit and backend process at a branch level, train resources on credit operations, and sales documentation.">
• Collaborate with third-party vendors to track completion of necessary verification checks for loan applications.">
• Maintain turnaround times for UBL proposals at an acceptable level, manage overall credit and risk functions for assigned areas or locations, and facilitate business teams to achieve monthly and annual targets.">
• Ensure adherence to credit policies and defined processes, provide inputs for designing and implementing credit policies and programs, and monitor competitor products and policies.">
• Maintain portfolio quality, control delinquencies through portfolio reviews, oversee collections and delinquency management, and coordinate with operations teams for disbursal, OTC, and PDD processes.">
• Hire and manage credit resources, handle attrition and performance management, ensure audit and regulatory compliance for assigned locations or areas, and take reference checks for prospective borrowers from market links and existing lenders.">
• Coordinate training programs for credit and sales teams and manage MIS for the vertical.">

Required Skills and Qualifications:

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• Strong analytical and problem-solving skills.">
• Excellent communication and interpersonal skills.">
• Ability to work in a team environment.">
• Strong attention to detail and organizational skills.">
• Knowledge of credit risk management principles and practices.">
• Experience in credit analysis, underwriting, and lending.">
• Ability to analyze complex data and make informed decisions.">
• Strong leadership and management skills.">
• Ability to coach and develop team members.">
• Strong understanding of credit policies and procedures.">
• Ability to identify and mitigate potential risks.">
• Strong technical skills, including proficiency in MS Office.">

Benefits:

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• A competitive salary and benefits package.">
• Ongoing training and development opportunities.">
• A dynamic and supportive work environment.">
• The opportunity to work with a experienced team.">
• A comprehensive rewards program.">

Others:

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• This is a challenging and rewarding role that offers the opportunity to make a real impact in the industry.">
• You will have the chance to work with a variety of stakeholders, including customers, colleagues, and partners.">
• As a key member of the team, you will be expected to contribute to the development of the organization's strategic goals and objectives.">
• This role requires a high degree of autonomy, initiative, and motivation.">
• You will be working in a fast-paced environment, so excellent time management and prioritization skills are essential.">
• Occasional travel may be required for this role.">
• This role may require occasional work outside regular hours.">
• You must be willing to adapt to changing priorities and deadlines.">
• This role requires a strong sense of accountability and responsibility.">
• You must be able to work independently and as part of a team.">
• This role requires a high degree of emotional intelligence and empathy.">
• You must be able to build strong relationships with colleagues, customers, and partners.">
• This role requires a strong commitment to diversity, equity, and inclusion.">
• You must be able to promote a culture of respect, inclusivity, and belonging.">