Credit Manager

Key Responsibilities:

• 360 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.
• 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.
• 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.
• Portfolio Management: Management of the assigned portfolio through improved disbursement with a key focus on quality.
• Collaboration: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams.
• Ground Sensing: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio.

Key Qualifications & Skills:

• Educational 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.
• Communication skills: Ability to tailor conversations (both verbal & written) around the needs of the customer with the utmost focus on service delivery.
• Financial Understanding: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients.
• Regulation Awareness: The ability to gauge the impact of policies, rules, and regulations on the portfolio.
• Risk Mitigation: Conceptual understanding of risk and risk mitigation strategies
• Hands-on Credit Knowledge: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred.