Senior Credit Manager
7 hours ago
Job Purpose
Responsible for credit underwriting for Retail / Affordable Housing business across assigned branches or regions. The role involves thorough customer assessment, adherence to credit policies, and ensuring sound portfolio management.
Key Responsibilities
- Assess and underwrite credit proposals for self-employed and business customers as per policy.
- Conduct field visits and cross-verification to ensure authenticity of information.
- Ensure timely decision-making to meet defined TATs.
- Evaluate and recommend proposals in line with organizational policies.
- Train sales and credit teams on product and credit policies.
- Review vendors, existing and delinquent customers for portfolio quality.
- Analyze portfolio behavior to identify, reduce, or mitigate risks.
- Evaluate collateral, legal, and technical documents for associated risks.
- Provide market feedback to improve credit policy and process efficiency.
- Maintain strict confidentiality of company information.
Key Skills & Competencies
- Strong credit appraisal and risk assessment skills.
- Good understanding of underwriting, legal, and technical documentation.
- Decision-making, accountability, and entrepreneurial mindset.
- Excellent communication and coordination abilities.
- Strong market knowledge and analytical skills.
Education & Experience
- Qualification: Graduate / PGDBM / MBA Finance
Experience:
4–8 years for Area Credit Manager
- 3–5 years for Central Credit Manager
Industry: Financial Services / NBFC / Banking
Functional Area: Credit UnderwritingRole & responsibilities
Preferred candidate profile
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