Credit Manager
4 days ago
We are looking for a credit Manager -MEL (Un secured Loan )
His / Her Roles includes :
Job Title: Credit Manager – Group & Individual Loans
Department: Risk Management
Reports to: Top Management
Location: Kalavasal
Employment Type: Full-Time
Gender: Mal & Female can apply
Credit Evaluation & Approval:
- Review and assess group and individual loan applications for creditworthiness and risk.
- Analyze borrower financials, business potential, and repayment capacity.
- Approve or recommend loans within assigned authority limits; escalate where required.
Portfolio Management & Risk Monitoring:
- Monitor loan portfolio performance, track Portfolio at Risk (PAR), and ensure timely follow-ups on overdue accounts.
- Identify early warning signs of default and implement risk mitigation strategies.
- Oversee field credit operations and conduct regular audits of client files and documentation.
Policy Implementation & Compliance:
- Ensure all credit activities comply with internal policies, procedures, and regulatory standards.
- Review and update credit assessment tools and underwriting criteria.
- Provide inputs for policy refinement based on market trends and risk exposure.
Team Supervision & Capacity Building:
- Lead, mentor, and train field staff on loan assessment, documentation, and risk management.
- Conduct field visits with team members to ensure accurate client assessment and compliance.
- Set performance targets and evaluate staff performance regularly.
Key Performance Indicators (KPIs):
- Portfolio at Risk (PAR) levels within acceptable limits.
- Loan approval turnaround time.
- Credit team performance and productivity.
- Compliance audit scores and regulatory adherence.
- Loan recovery and write-off rates.
Work location: Madurai
Candidate can reach us at
Job Type: Full-time
Pay: ₹25, ₹30,000.00 per month
Benefits:
- Health insurance
- Life insurance
Work Location: In person
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