Credit Manager

5 days ago

Surat, Gujarat, India Mahindra Finance Full time

Duties & Responsibilities (List in the order of importance the duties & responsibilities of this job)

Credit Assessment


• Appraise/Underwrite the loans within defined policy guidelines and accordingly recommend to appropriate authority for approval.


• Thorough checking of the application file as per the laid down policy/process guidelines


• Assess the income, ability, intention and credit behaviour of the applicant and verify documents and reference checks, bureau checks, along with the customer due diligence


• Understanding the nature of business of the applicant(s), identifying risk associated and ascertaining the revenue stream


• Evaluate all the credit risk parameters and implement measures to mitigate the same


• Prepare the credit approval memo and manage the overall TAT and approval rate. Credit Monitoring


• Ensure strict adherence to the laid down policy and process


• Ensure portfolio quality


• Periodic monitoring of Exception approvals/Reject analysis and inference.


• Ensure Credit Quality and maintain the Credit Cost under control

Key Challenges (List the key tasks performed to support the main objectives of the position).


• Identify and assess all types of possible risks in proposals


• Detailed credit appraisal to ensure aging within limits


• Timely response of credit appraisal


• Study different industry segments to suggest new focus areas

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