Credit Risk Manager
4 weeks ago
You will report to the Head of Credit at Jai Kisan. Your responsibilities will include managing a team of Credit Analysts and ensuring the due implementation of credit policies and processes while carrying out credit functions.
Key Responsibilities:
- Comprehensive analysis of credit proposals, financial statements, performance, projections, and other information to assess the credit worthiness of entities.
- Ongoing monitoring of the portfolio – analyzing credit risks at the transactional and portfolio level.
- Identification of Early Warning Signals for signs of stress in portfolio companies and working with the business team to devise appropriate mitigation strategies.
- Working with the Head of Credit to monitor and update credit policy to optimize for company risk, profitability, and growth targets.
- Conducting ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts.
- Engaging with Credit Administration, Legal, Audit, Compliance, Tech, and other stakeholders as appropriate for all credit processes.
- Creating reports to be presented to CC Committees and the Lenders, ensuring that documents are consistent and uphold to the Internal/Lender's credit policies and standards.
- Leading a team of Credit Analysts and guiding them to drive efficiency and accuracy in credit policies and credit assessments.
- Actively participating in discussions to present ideas to senior members and help them make balanced decisions.
- Mapping developments in the Rural economy and understanding implications of the latest trends on the portfolio and credit decisions.
- Active coordination with a cross-functional team for product-level development and ensuring 100% digitization of the entire credit process.
- Adherence to timelines and compliance as per SOP and senior management.
Requirements:
Must Have:
- CA or MBA in Finance from a premier Institute.
- 3 to 5 years of experience in credit assessment/evaluation with Banks/NBFC/Start-ups/Credit rating agency.
- Knowledge of Unsecured loan products i.e. Supply chain finance, Dealer Finance, business loans etc. is mandatory.
- Hands-on experience in Excel; you love working with numbers and are analytical in your approach towards any issue at hand.
Good to have:
- Currently managing a team of Credit Analysts in Banks/NBFC/Fin-tech will be an added advantage.
- Good Analytical, Organizational, and Communication skills.
- Ability to work under pressure in a high-churning environment and deliver quality research output on time.
- You have a solid grasp of financial analysis and risk models.
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