Credit Manager

19 hours ago

Mumbai, Maharashtra, India Tata Capital Full time ₹ 4,00,000 - ₹ 6,00,000 per year
Description
  • Responsible for credit risk analysis & underwriting for Microfinance & Business Correspondent Loan proposals
  • Reviewing and analysing of operations, financial statements, annual reports, CIBIL, AMLOCK and other relevant information.
  • Periodic review of sector through detailed reports. Preparing quarterly and event-based reports on industry and client level updates for senior management.
  • Prepare reports and presentation of findings & recommendations to seniors
  • Review and assess a broad range of JLG loan applications & Business correspondence within defined guidelines and accordingly take decision or recommend for approval to higher authorities. 
  • Credit assessment of corporate proposals for Financial Institutions covering Micro Finance funded Business Correspondence partners
  • Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
  • Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
  • Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
  • Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
  • Responsible for improving underwriting efficiencies while ensuring adequate risk management.
  • Preparing score based internal rating model to recommend risk adjusted credit decisions through detailed assessment reports, along with measures to mitigate risks.
  • Preparing Early Warning Signals report for the segment basis evolving credit controls at clients' end & external environment to control PDs and LGDs for entire portfolio.
  • Managing audits and ensuring adherence to regulatory & internal policy's guidelines. 
  • Ensure 100% compliance in our lending standard adhering to the credit policy of the company.
  • Evaluate the policy adherence time to time and raise red flag when it is breached.
  • Work closely with risk team and highlight possible credit losses at different point in time.
  • Responsible for managing credit cost at the lowest level benchmarked to industry.

Provide expert view when new products or processes are to be introduced and give signoff

  • Min  3yrs exp + Experience in Credit underwriting in an NBFC MFI, SFB or Bank. Understanding of Score cards
  • Must be familiar about business correspondent model, JLG & SHG & direct lending business.

Key Skills

  • Well versed with  understanding of credit underwriting & score card.
  • Understand critical attributes of legal and governance requirements,

Good acumen of technology and automation

Education: Post Graduate/ Graduate in any discipline

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