Credit Manager-Agri Business Group (ABG)-Credit

Role Overview: The job role involves evaluating credit requirements of potential customers in various segments such as Commercial vehicle, Infrastructure, and Dealer Finance. This includes underwriting and preparing credit assessment notes with a detailed analysis of business, management, and financials. The role also requires conducting Balance Sheet and other financial statement analysis to identify risk factors. Regular market, competitor, and dealer visits are essential to stay updated on market changes and proactively address challenges. Timely processing of proposals within the specified Turnaround Time (TAT) is crucial for a better time-to-market. Ensuring compliance with the terms and conditions of sanctions by coordinating with Relationship Managers (RMs) and the company is a key responsibility. Continuous monitoring of Infant Delinquencies is also part of the job role. Key Responsibilities: - Evaluate credit requirements of potential customers in segments like Commercial vehicle, Infrastructure, and Dealer Finance. - Underwrite and prepare credit assessment notes with detailed business, management, and financial analysis. - Conduct Balance Sheet and other financial statement analysis to identify risk factors. - Regularly visit markets, competitors, and dealers to stay updated and address challenges proactively. - Process proposals within specified Turnaround Time (TAT) for better time-to-market. - Ensure compliance with terms and conditions of sanctions by coordinating with Relationship Managers (RMs). - Continuously monitor Infant Delinquencies. Qualifications Required: - 3 to 8 years of experience in a similar role. - MBA in Finance or CA qualification preferred. - Previous experience as a Credit Analyst or Credit Manager is advantageous.,