Business Development Executive

21 hours ago

Chandigarh, Chandigarh, India beBeeCredit Full time ₹ 80,00,000 - ₹ 1,42,00,000

About the Role:

  • We are seeking a seasoned professional to lead our credit operations. As an Area Credit Manager, you will be responsible for overseeing credit appraisal and underwriting of unsecured business loans.
  • Your key responsibilities will include conducting personal discussions with applicants, analyzing client financial situations, and maintaining pre and post sanction credit risk compliance.
  • You will also handle the complete credit and backend process at the branch level, including training resources on credit, operations, and sales documentation.
  • Additionally, you will engage with third-party vendors, track completion of necessary verification checks related to loan applications, and ensure timely completion of UBL proposals within acceptable turnaround times.
  • Your role will involve managing overall credit and risk functions for assigned areas or locations, facilitating business teams to achieve monthly and annual business targets, and maintaining adherence to credit policy and defined processes.
  • You will provide inputs for designing and implementing credit policies and programs, as well as monitoring competitor market activities.
  • Maintaining portfolio quality, controlling delinquencies, and ensuring collections and regulatory compliance are also key aspects of this role.
  • You will coordinate with operations teams for disbursal, OTC, and PDD processes, hire and manage credit resources, and ensure audit compliance and regulatory adherence for assigned locations or areas.
  • Taking reference checks for prospective borrowers from market links and existing lenders, coordinating training programs for credit and sales teams, and managing MIS for the vertical are also part of your responsibilities.

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