Area Credit Manager - Emerging Corporate

You will be responsible for preparing/amending notes and financial models with accurate information gathered from various sources. Your role will involve preparing credit notes with detailed transaction structuring and assessment, focusing on the assessment of sought credit facility. You will interact regularly with collections/sales teams to track delinquencies, study delinquent cases, and share insights with the team. Meeting retail and strategic customers at regular intervals to gain insights into various industries and markets will also be part of your responsibilities. Key Responsibilities: - Pre-approval and rating of all clients with exposure exceeding Rs 500L - Conducting regular training sessions for sales/channel partners/field sales staff on product policies and processes - Controlling and monitoring post-disbursement documents such as invoices, insurance, and RC through interactions with sales and customers - Managing the portfolio to ensure the required quality of documentation, post-disbursal documents, and delinquency levels - Working on projects/process improvements periodically - Performing detailed financial analysis to identify major movements in P&L and balance sheet, citing reasons for such movements - Developing market intelligence by engaging with individuals from other banks and financial institutions regarding their policies, focus areas, and portfolio health - Identifying automation opportunities in existing processes and new product development - Ensuring quality credit underwriting and raising early warning signals for stress account exits - Resolving audit queries, including RBI and statutory audits, within prescribed timelines - Actively participating in customer visits and providing regular market intelligence reports Qualifications: - Minimum Degree required: MBA/PGDBA/PGPM/CA or equivalent. You will be responsible for preparing/amending notes and financial models with accurate information gathered from various sources. Your role will involve preparing credit notes with detailed transaction structuring and assessment, focusing on the assessment of sought credit facility. You will interact regularly with collections/sales teams to track delinquencies, study delinquent cases, and share insights with the team. Meeting retail and strategic customers at regular intervals to gain insights into various industries and markets will also be part of your responsibilities. Key Responsibilities: - Pre-approval and rating of all clients with exposure exceeding Rs 500L - Conducting regular training sessions for sales/channel partners/field sales staff on product policies and processes - Controlling and monitoring post-disbursement documents such as invoices, insurance, and RC through interactions with sales and customers - Managing the portfolio to ensure the required quality of documentation, post-disbursal documents, and delinquency levels - Working on projects/process improvements periodically - Performing detailed financial analysis to identify major movements in P&L and balance sheet, citing reasons for such movements - Developing market intelligence by engaging with individuals from other banks and financial institutions regarding their policies, focus areas, and portfolio health - Identifying automation opportunities in existing processes and new product development - Ensuring quality credit underwriting and raising early warning signals for stress account exits - Resolving audit queries, including RBI and statutory audits, within prescribed timelines - Actively participating in customer visits and providing regular market intelligence reports Qualifications: - Minimum Degree required: MBA/PGDBA/PGPM/CA or equivalent.