State Credit Manager

1 week ago

Delhi, Delhi, India Aditya Birla Group Full time ₹ 6,00,000 - ₹ 18,00,000 per year

Aditya Birla Capital Limited

State Credit Manager - Secured - Delhi

Location: Barakhamba Road, New Delhi, Delhi

The purpose of this job is:

Review STSL credit proposals, carry out thorough due diligence within stipulated turnaround times and decision of the cases / recommend the same to respective authorities - Zonal Credit Manager, National Risk Manager, Credit Committee for decision/ approvals on the case

Maintain the quality of portfolio by regularly reviewing the portfolio and suggesting for the policy changes accordingly if any

Regularly Review & Monitor the Portfolio Performance, PDD movement and Compliance related matters

Regularly Review & Monitor Vendor Management and closure of Audit queries

Bringing in the Process Efficiency & Quality Improvement Initiative, Cost Reduction Initiatives and Stakeholder Management

Customer Centricity, Productivity and People Management

Key Result Areas

Supporting Actions

Portfolio Management –

Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate.

Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables

Business & Financial Management -

Calibrate the capacity plan in line with business needs

Identify and act upon various risk arising out of credit/process activities

Risk mitigation- bureau/rating agencies/collection reports to be reviewed

Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices

Track and react to external influence on portfolio Bureau/rating agencies

Customer Focus -

Take decisions which are aligned to the management directive keeping customer in mind

Bring in the efficiency in the system by enabling decisions being taken within defined timelines

Understand the Salaried / Self Employed market dynamics for STSL business in smaller towns say tier 3 – 4 markets

People/Team Management –

Effective training and timely communication of policy & underwriting standard

Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review

Interaction with business and allied teams to incorporate changes

Strong interpersonal skills to manage team size of 10+ risk managers

Capable to mentor 3 - 4 middle layer Managers towards progressive career path

Productivity Management & Improvement –

Productivity and its management is the key deliverable

Quality is measured by no of files managed on monthly basis

Initiatives for improving the productivity at every level is also one of the key deliverables

Process & Quality Improvement -

Regularly Review & Monitor the PDD movement as one of the most important process laid down to be managed by RCM

Bringing in the Process Efficiency & Quality Improvement Initiative, Cost Reduction Initiatives Define credit underwriting standards and processes in accordance with ROC approved guidelines

Process adherence as measured by audit ratings, FTR score and TAT are key deliverables

Minimum Experience Level

6 - 12 years

Job Qualifications

Undergraduate

  • Zonal Credit Manager

    2 weeks ago

    Delhi, Delhi, India Credit Saison Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    About Credit SaisonEstablished in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting...

  • Credit manager

    2 days ago

    Delhi, Delhi, India Digner Fin-lease & Investment Pvt. Ltd. Full time ₹ 8,00,000 - ₹ 12,00,000 per year

    Company DescriptionDigner Fin-lease & Investment Pvt. Ltd. (DFAIPL PVT LTD) is a trusted and advanced Non-Banking Finance Company (NBFC) dedicated to providing instant financial solutions and facilitating the business of digital lending. With a vision of empowering eligible customers with financial strength, DFAIPL PVT LTD stands by those facing financial...

  • Credit Manager

    2 days ago

    Delhi, Delhi, India Maxemo Capital Full time ₹ 6,00,000 - ₹ 10,00,000 per year

    Position: Credit Manager - (Unsecured Business Loan)Company: Maxemo Capital - NBFCJob Summary: The Credit Manager is responsible for assessing and managing credit risk associated with the NBFC's working capital lending activities. This includes evaluating the creditworthiness of potential borrowers, setting credit limits, monitoring existing loans, and...

  • Credit Manager

    4 days ago

    Delhi, Delhi, India Everlight Holdings Full time ₹ 4,00,000 - ₹ 12,00,000 per year

    Responsibilities:Collaborate with sales team on financing solutionsMonitor credit risks and mitigation strategiesEvaluate loan applications through credit analysisManage credit portfolio performance and reporting

  • Credit Manager

    17 hours ago

    Delhi, Delhi, India Maxemo Capital Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Position: Credit Manager - NBFC (Unsecured Business Loan)Key Responsibilities:Credit Assessment:Evaluate the creditworthiness of potential borrowers by analyzing financial statements, credit reports, industry trends, and other relevant data.Utilize credit scoring models and risk assessment tools to make informed lending decisions.Underwriting:Determine...

  • Credit Manager

    4 days ago

    Delhi, Delhi, India Kotak Mahindra Bank Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Credit Manager-Alternate Asset Group-ARD Funded High Teen Products The key responsibilities of the role will be as follows:Assessment of credit worthiness of potential customers with a ticket size of 10.00 Cr to Cr Structuring & customizing the products to suit the customer's requirements, keeping in mind the risk profile, cash flows and security. ...

  • Credit Manager

    4 days ago

    Delhi, Delhi, India Bank of Baroda Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Banking Professional currently working in Public Sector Undertaking as a Credit Manager and having experience of 10 plus years in same line

  • Area Credit Manager

    1 week ago

    Delhi, Delhi, India SkillLabs Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Manage Credit Appraisal Underwriting of SME – inventory funding files as analyzing applicant's financial status and credit evaluations to determine feasibility of granting loans with preparing Credit Approval Memo (CAM). Required Candidate profileCandidates should have minimum 3 to 5 yrs underwriting of Credit Appraisal Underwriting of SME – Inventory...

  • Regional Credit Manager

    1 week ago

    Delhi, Delhi, India Kotak Mahindra Bank Full time ₹ 4,00,000 - ₹ 12,00,000 per year

    Regional Credit Manager-Loan Against Property (LAP)-Credit JD For Regional Credit Manager – South RegionShould have experience in Team Handling of Credit Manager / Area Credit Manager Handling secured HL / LAP or working capital business. Proposing, decision making and recommending loan requests in accordance with bank standards, which involve...

  • Senior Credit Manager

    2 days ago

    Delhi, Delhi, India Rising Sun Business Solutions Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Sr. Credit Manager - Credit SME - SEG - Delhi - Delhi | Aditya Birla Capital Limited | Financial Services Key Result Areas: Selection - Based on internally defined criterion, analysis of market information, current macroeconomic scenario & portfolio concentration, etc Assessment - Management Risk, Industry Risk, Business Risk and Financial Risk ...