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Area Credit Manager - Emerging Corporate - Chandigarh - Sector 8C- MM

2 - 7 years

11 - 16 Lacs

Posted:4 days ago| Platform: Naukri logo

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Job Type

Full Time

Job Description


We are looking for a highly skilled and experienced Credit Manager to join our team in Chandigarh. The ideal candidate will have 2-7 years of experience in credit management, with a strong background in financial analysis and risk assessment. Roles and Responsibility
  • Prepare and amend notes and financial models with correct information.
  • Develop credit notes detailing transaction structuring and assessment.
  • Regularly interact with collections and sales teams to track delinquencies and study delinquent cases.
  • Meet customers to understand industry and market trends.
  • Perform detailed financial analysis, attending to major movements in P&L and Balance sheet.
  • Control and monitor post-disbursement documents, invoices, insurance, and RC through interactions with sales and customers.
  • Manage the portfolio to meet quality documentation, post-disbursement documents, and delinquency levels requirements.
  • Work on projects and process improvements.
  • Prepare credit notes comprising transaction structure and credit view, detailing risks and mitigants.
  • Conduct detailed financial appraisals covering business models, working capital cycles, profitability, etc.
  • Develop market intelligence by engaging with people in other banks and FIs regarding their policies, focus areas, and portfolio health.
  • Identify automation opportunities in existing processes and new product development.
  • Ensure minimal audit queries, including RBI and statutory audits, and resolve them within prescribed timelines.
  • Participate actively in customer visits.
  • Provide regular MIS on market intelligence.

  •  Job
  • Minimum 2 years of experience in credit management or a related field.
  • Strong knowledge of financial analysis, risk assessment, and credit underwriting.
  • Excellent communication and interpersonal skills.
  • Ability to work in a fast-paced environment and meet deadlines.
  • Strong analytical and problem-solving skills.
  • Proficiency in MS Office and other relevant software.
  • A minimum degree of MBA/PGDBA/PGPM/CA or equivalent is required.
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