Credit Manager

2 days ago

Goregaon, Maharashtra, India YES BANK Full time ₹ 8,00,000 - ₹ 24,00,000 per year
  • 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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