Senior Credit Manager

8 hours ago

Surat, Gujarat, India beBeeCredit Full time ₹ 60,00,000 - ₹ 1,50,00,000
About This Role

This position is responsible for overseeing the entire credit and backend process at a branch level. The ideal candidate will have strong analytical and problem-solving skills, effective communication and interpersonal skills, and the ability to work under pressure and meet deadlines.

Key Responsibilities:

  • Conduct thorough credit appraisals for unsecured business loan applicants, analyzing their financial status and credit evaluations to determine loan feasibility.
  • Maintain regular contact with applicants through on-site visits to gather information and analyze their financial situation.
  • E nsure compliance with pre- and post-sanction credit risk regulations.
  • Manage and oversee all aspects of the credit and operations process at the branch level, providing training resources on credit, operations, and sales documentation.
  • Collaborate with third-party vendors to verify loan applications and track verification checks.
  • Ensure timely completion of UBL proposals within an acceptable Turn Around Time (TAT).
  • Oversee overall credit and risk functions for assigned areas/locations.
  • Foster business growth by meeting monthly/annual targets.
  • E nsure adherence to established credit policy and defined processes.
  • Develop and implement credit policy in conjunction with sales team inputs and market feedback.
  • Monitor portfolio quality, controlling delinquencies and collections.
  • Coordinate with Operations for disbursement, OTC, and PDD processes.
  • Hire and manage credit resources based on manpower budgeting, attrition management, and performance evaluation.
  • E nsure audit and regulatory compliance for assigned locations.
  • Verify reference checks for prospective borrowers.
  • Organize training programs for credit/sales teams.
  • Manage MIS for the vertical.

    Requirements

Must-Haves:

  • Strong analytical and problem-solving skills.
  • Effective communication and interpersonal skills.
  • Ability to work under pressure and meet deadlines.
  • Strategic thinking and planning skills.
  • Knowledge of credit risk management principles and practices.

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