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Description
Key Qualification & Skills: 1) Education Qualification: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of credit management across industries. 2) Financial Understanding: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients. 3) Hands-on Credit Knowledge: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred. ——————————————————- As a Credit Manager, you will be responsible for credit underwriting of various loan products for customers across Retail, Agri, Business Banking, and Small and Medium Enterprises (SME). In this process of credit evaluation, you will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products like CC, OD, LC, BG, TL, CTL, Derivatives, EPC, PCFC, BD etc. ——————————————————- Key Responsibilities : 1) Credit Assessment: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirements. 2) Service Delivery : Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service delivery. 3) Process Compliance : Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Bank’s framework 4) Portfolio Management: Management of the assigned portfolio through improved disbursement with a key focus on quality. 5) Collaboration: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams. 6) Ground Sensing : Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio. ————————————————— Show more Show less
