
Credit Manager
2 days ago
- Primary responsible is to underwrite self-employed applicants which includes both non-professionals and professionals.
SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES
Strategic/ Managerial Responsibilities
Understands the KPIs/goals and takes full accountability to deliver.
Responsible in decision making within the stipulated timelines.
Core Responsibilities
- Credit delegation authority to be exercised with all due diligence within the policy framework.
- Adherence to the defined policy/process & timely decision on all applications being processed.
- Interpretation of credit bureau reports, dedupe checks, assessment of financial statements, plotting financial tools/spreadsheets & evaluate financial ratios, analysis of bank statements, ascertain existing liability of applicant and overall arriving the financial eligibility in line with the policy.
- To ensure all loan applications are processed within the defined turn-around time [TAT].
- Increase the efficiency of underwriting by reducing reworks and increasing FTR in all the activities carried.
- Follow up with sales counterparts for pending cases to ensure both credit TAT and E2E TAT are met as defined by the senior management.
- To check data entry quality is intact and error rate is minimal; periodic feedback to be shared with data entry vendors/ respective team.
- To conduct customer tele verification / physical visits- personal discussion with applicants to understand the profile, business model, requirement, end-use, seek clarification if any etc.
- To keep a track on market factors & identify the impact on credit portfolio & decisioning.
- To keep focus on creating high quality portfolio.
- Ensuring proper covenant management is done.
People Management Or Self-Management Responsibilities
- To interact closely with other functions such as Sales /Operations/ CSS/ Collections in ensuring smooth delivery of objectives.
- Vendor management: To manage all risk vendors such as CPV, PD, CPA vendor and in-house CPAs wherever available.
- To impart regular training and share feedback to improve quality.
Risk And Internal Control Responsibilities
- Audit & regulatory compliance on all aspects stipulated by central team.
- Credit quality: Ensuring Nil PAR errors and Nil QM cases.
- Credit authority delegation to be exercised without any instance of transgression of powers.
SECTION IV: KEY INTERACTIONS
Minimum Qualifications
- Graduate with experience; Freshers if MBA or CA.- for PL
- MBA /CA with minimum 2 years of experience. – for all other RB Product
Professional Certifications
- Any professional / additional certifications shall be an added advantage.
- Good understanding of financial analysis, P&L, balance sheet accounts. - for all other RB Product except PL
Language Skills
- Strong communication both oral & written in English with good negotiation skills.
Experience
Years of Experience
- MBA or CA Fresher / Min 1 years of underwriting experience. – For PL & New Car Loan
- MBA or CA Fresher / Min 2 years of underwriting experience. - for all other RB Product
Nature Of Experience
- Credit underwriting of business loans, working capital -SME loans, Housing /mortgage loans preferred.
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