Bharat Banking:Area Manager Credit Analyst - Nano Business

• This is new vertical in Bharat Banking-Bharat Enterprise This vertical specially caters to credit needs of Nano business enterprises wherein the credit requirement both secured and un-secured in between 1-20 Lakh About the Role
• The Area Manager-Credit Analyst is responsible for managing a team of Credit Analyst responsible for credit and income assessment as per prescribed parameters for the leads generated by Sales Team for Nano Business loan
• The Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bank
• The role will be taking care of 2-4 districts of state based on the portfolio size
• Ensure the verification process is compiled within expected TAT with first time right approach
• Ensure Credit Analyst are trained on the policy and processes
• Ensure correctness of credit note prepared by Credit Analyst as per banks policy
• Imparting training to Sales Officer/Manager for quality sourcing
• Fraud risk management
• Managing compliance on documentation
• Manage early delinquencies to ensure portfolio performance
• Keeping regular track of competition and reporting new products/market development/Legal risks/ Political Risks/Local demographic issues
• Periodic visits of customers and cross checking of sourcing quality/ loan utilization
• Adhering to the banks policies and ensuring compliance of the same

Qualifications

• Education: Graduation/Post Graduation
• Maximum Age: 35 Years

Experience:

• 3-7 Years of experience in verification/PD bases assessment of customer in Bank or NBFC for- Nano/Micro Business Loans/ Small ticket LAP/ Self-employed PL/ AHL
• o Good understanding of Micro/Small unsecured Business loan, Affordable housing or Small ticket LAP

Role Proficiencies

Knowledge

• Good knowledge of field level operations and systems
• Experience in assessed business income is must

Should have knowledge on

• o Local market understanding
• o Understanding on Bank statement
• o Repayment record assessment
• o Working knowledge of property valuation in local market
• o Working knowledge of Legal related documentation

Skills

• Good leadership skills
• Good communication (both verbal & written) and inter-personal skills
• Time management

Abilities

• Ability to work effectively across functions
• Ability to work as a part of team and contribute towards team goals