Area Credit Manager - Supply Chain - Credit Appraisal

As a Credit Analyst, your main responsibility will be to prepare and amend notes and financial models with accurate information gathered from various sources such as the business team, public domain, and other resources. You will be tasked with preparing credit notes that include detailed transaction structuring and assessment, focusing on the assessment part of the sought credit facility. Regular interaction with collections and sales teams will be essential to track delinquencies, study delinquent cases to derive insights, and share learnings with the team. Meeting with customers, both retail and strategic, at regular intervals will be necessary to understand various industries and markets. You will also be required to pre-approve and rate all clients with exposure exceeding Rs 500L, conduct regular training sessions for sales, channel partners, and field sales staff on product policies and processes, and monitor post-disbursement documents like invoices, insurance, and RC. Managing the portfolio to ensure the requisite quality of documentation, post-disbursal documents, and delinquency levels is crucial. Working on projects and process improvements, critically evaluating transaction, business, and financial risks, identifying associated risks, and submitting appropriate mitigations will also be part of your role. Performing detailed financial analysis, preparing credit notes, conducting financial appraisals, and developing market intelligence by engaging with other banks and FIs will be essential. Identifying automation opportunities in existing processes, new product development, and ensuring quality credit underwriting are also key responsibilities. You will need to raise early warning signals for stress accounts, ensure minimal audit queries including RBI and statutory audits, and resolve them within prescribed timelines. Having a strong understanding of CE/CV market practices, active involvement in customer visits, and regular reporting of market intelligence through MIS will be expected. Qualifications: - Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent.,