Area Credit Manager - Emerging Business

As a Financial Analyst, your primary responsibilities will include preparing and amending notes and financial models with accurate information obtained from the business team, public domain, or other resources. You will be tasked with preparing credit notes that involve detailed transaction structuring and assessments, focusing on the assessment of sought credit facilities. Regular interaction with collections and sales teams will be essential to track delinquencies, study delinquent cases, derive insights, and share learnings with the team. You will also meet retail and strategic customers on a regular basis to gain a comprehensive understanding of various industries and markets. In addition, you will be responsible for pre-approving and rating clients with exposure exceeding Rs 500L, conducting training sessions for sales and channel partners, controlling and monitoring post-disbursement documents, managing portfolios to ensure quality documentation and delinquency levels, and working on projects for process improvements. Your role will involve performing detailed financial analysis, focusing on major movements in the P&L and Balance sheet to ascertain and cite precise reasons for such movements. You will also be involved in preparing credit notes, detailed financial appraisals, and developing market intelligence by engaging with other banks and financial institutions. Identifying automation opportunities in existing processes, new product development, ensuring quality credit underwriting, raising early warning signals for stress accounts, resolving audit queries within prescribed timelines, actively participating in customer visits, and providing regular market intelligence reports will also be part of your responsibilities. Qualifications: - Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent.,