Area Credit Manager

Role Overview: As an Area Credit Manager specializing in Supply Chain Finance (SCF) at our company, your main objective is to ensure thorough credit underwriting, monitor delinquencies, and enhance market intelligence. You will be responsible for preparing detailed credit notes, conducting client visits, and analyzing transaction risks. Additionally, you will identify automation opportunities, minimize audit queries, and stay updated on market practices to facilitate well-informed decision-making. Key Responsibilities: - Amendment of credit notes and financial models. - Preparation of detailed credit notes. - Interaction with collections and sales teams for delinquency tracking. - Customer meetings for industry and market understanding. - Prepare/amend the note/financial model with correct information. - Undertake regular interaction with collections/sales to track delinquencies. - Study delinquent cases to derive learning and share insights with the team. - Meet customers (retail & strategic) regularly to understand various industries & markets. - Pre-approval and rating of all clients with exposure more than Rs 500L. - Conduct regular training sessions for Sales/Channel Partners/Field sales staff on product policies & processes. - Control & Monitoring of Post Disbursement Documents Invoice, Insurance & RC through interaction with sales and customers. - Manage portfolio quality documentation, post-disbursal documents, and delinquency levels. - Work on projects/process improvements periodically. - Perform detailed financial analysis attending to major movements in P&L & Balance sheet. - Develop market intelligence by engaging with people in other banks and FIs. - Identify automation opportunities in existing processes and new product development. - Raise early warning signals for stress accounts and facilitate timely exit. - Ensure minimal audit queries including RBI and statutory audits are resolved within prescribed timelines. - Actively participate in customer visits. - Regularly provide MIS on market intelligence. Qualifications Required: - Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent - Minimum Years/type of experience: 5 - 9 years in Banks/FIs Additional Company Details: (Omit this section as no additional details of the company are provided in the JD) (Note: The JD was written by someone and approved by someone else) Role Overview: As an Area Credit Manager specializing in Supply Chain Finance (SCF) at our company, your main objective is to ensure thorough credit underwriting, monitor delinquencies, and enhance market intelligence. You will be responsible for preparing detailed credit notes, conducting client visits, and analyzing transaction risks. Additionally, you will identify automation opportunities, minimize audit queries, and stay updated on market practices to facilitate well-informed decision-making. Key Responsibilities: - Amendment of credit notes and financial models. - Preparation of detailed credit notes. - Interaction with collections and sales teams for delinquency tracking. - Customer meetings for industry and market understanding. - Prepare/amend the note/financial model with correct information. - Undertake regular interaction with collections/sales to track delinquencies. - Study delinquent cases to derive learning and share insights with the team. - Meet customers (retail & strategic) regularly to understand various industries & markets. - Pre-approval and rating of all clients with exposure more than Rs 500L. - Conduct regular training sessions for Sales/Channel Partners/Field sales staff on product policies & processes. - Control & Monitoring of Post Disbursement Documents Invoice, Insurance & RC through interaction with sales and customers. - Manage portfolio quality documentation, post-disbursal documents, and delinquency levels. - Work on projects/process improvements periodically. - Perform detailed financial analysis attending to major movements in P&L & Balance sheet. - Develop market intelligence by engaging with people in other banks and FIs. - Identify automation opportunities in existing processes and new product development. - Raise early warning signals for stress accounts and facilitate timely exit. - Ensure minimal audit queries including RBI and statutory audits are resolved within prescribed timelines. - Actively participate in customer visits. - Regularly provide MIS on market intelligence. Qualifications Required: - Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent - Minimum Years/type of experience: 5 - 9 years in Banks/FIs Additional Company Details: (Omit this section as no additional details of the company are provided in the JD) (Note: The JD was written by someone and approved by someone else)