Credit Manager

As a Credit Manager reporting to the Area Credit Manager, your role involves assessing Educational Loan applications from students and underwriting them in accordance with the credit policy. **Key Responsibilities:** - Maintain Credit Quality as desired by the Senior Management - Manage respective vendors for maintaining quality and TAT for all verifications and validation - Monitor and conduct consistent sample checks on verifications and vendor processes - Meet the loan borrowers and applicants for personal interaction based on the risk profile of cases - Preliminary screening of borrowers" profiles for maintaining the input quality of the credit system - Perform first-level document check for fraud prevention, data correction, and information completeness - Manage Delinquency ratios - Handle Vendor Management - Apply knowledge of the Mortgage Industry and awareness of related risks - Contribute to the development of new techniques, improvement of processes, and workflows by applying in-depth knowledge - Develop recommendations to adjust credit policies by analyzing credit and financial performance - Implement risk management tools, Initiate process improvements, and Provide training - Adhere to credit decisioning parameters as per Credit Policy on loan proposals - Initiate and Implement process improvements for better customer experience while maintaining the organization's risk appetite - Impart structured training to internal teams and business associates regularly - Work with business teams to ensure timely delivery and controlled quality - Manage Fraud Risk - Conduct risk analysis - Analyze the local market and keep the central team updated on fraudulent colleges, negative areas, and profiles - Handle Relationship Management, Customer Service, and Team Management - Deliver excellent service on business processes - Manage interdepartmental relationships and focus on customer-oriented process improvement - Demonstrate team player qualities, self-motivation, good people management skills, and excellent motivational abilities - Conduct Personal Discussions (PD) with Customers and Co-Borrowers - Conduct in-person PDs with customers and/or co-borrowers as needed and telephonic discussions with all other customers and co-borrowers - Record Credit commentary in detail along with rationale for recommendations/decisions **Skills:** - Ability to read Balance Sheets and Financial Statements - Proficient in Credit Appraisal and Underwriting - Strong communication skills - Team player with analytical skills - Self-motivated individual **Qualifications and Experience:** - Graduate in any field; MBA in Finance or Professional Degree of Chartered Accountant (CA) is preferred - 3-5 years of related Credit Underwriting experience in a Bank or NBFC Please note that the job location for this position is Chandigarh.,