Credit Facility Specialist

3 days ago

Delhi, Delhi, India beBeeCreditRisk Full time ₹ 1,04,000 - ₹ 1,30,878
Senior Credit Risk Manager

Job Description:

  • Develop and maintain comprehensive financial models to ensure accuracy and transparency of credit facility assessments.
  • Collaborate with the business team to gather information, analyze data, and structure transactions to meet customer needs.
  • Interact regularly with collections and sales teams to track delinquencies and identify areas for improvement.
  • Conduct in-depth analysis of delinquent cases to derive insights and share best practices with the team.
  • Engage with customers, both retail and strategic, to understand market trends and industry developments.
  • Assess and approve clients with significant exposure, ensuring their creditworthiness and adherence to regulatory requirements.
  • Design and deliver training programs for Sales, Channel Partners, and Field Sales staff on product policies and processes.
  • Monitor post-disbursement documents, including invoices, insurance, and RCs, to ensure compliance and quality control.
  • Manage portfolios to achieve optimal documentation, delinquency levels, and overall business performance.
  • Identify opportunities for process improvements and implement changes to enhance efficiency and effectiveness.
  • Evaluate transaction risk, business risk, and financial risk associated with borrowers and industries.
  • Develop and submit risk mitigation strategies to address identified risks.
  • Perform detailed financial analysis, focusing on P&L and balance sheet movements, to inform business decisions.
  • Prepare credit notes that outline transaction structures, credit views, and risk mitigants.
  • Conduct thorough financial appraisals of business models, working capital cycles, and profitability.
  • Gather market intelligence by engaging with banking professionals and analyzing market trends.
  • Identify automation opportunities in existing processes and new product development.
  • Ensure high-quality credit underwriting and early warning signals for exit of stressed accounts.
  • Maintain minimal audit queries, resolve issues promptly, and adhere to regulatory requirements.
  • Stay informed about CE/CV market practices through ongoing market knowledge and research.
  • Active involvement in customer visits to build relationships and understand customer needs.
  • Provide regular market intelligence reports to stakeholders.

Required Skills and Qualifications:

  • Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent.

Benefits: A challenging and rewarding role in a dynamic organization, offering opportunities for growth and development.

Others: This role requires strong analytical skills, attention to detail, and excellent communication skills. The ideal candidate will be able to work independently and as part of a team, with a focus on delivering results and meeting deadlines.

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