Credit Manager - LAS, Capital Markets

* Important Note - This position is open with Bajaj Finance Limited *

• Role & Responsibilities

  :

- An effective communicator with the ability to coordinate with internal & external stakeholders & relate to people at all levels of business and management.

- Assessing loan applications for credit appraisal which includes financial analysis to understand the solvency, liquidity position and credit worthiness of individual and corporate customers.

- Assess income and various obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.

- Calculating eligibility basis portfolio as per BFL policy and doing risk check of customers.

- In dept knowledge of Capital Market and daily monitoring of stocks impacting BFL LAS exposure.

- Preparation of detailed Credit Approval Memo for high value cases and getting it approved from respective approving authority's basis BFL defined approval matrix.

- Adhering to all regulatory and statutory compliances & implementing operational risk controls related to LAS transactions ensuring fair sanctions to corporates and non-corporates and timely processing of cases in given TAT.

- Monitoring the portfolio behaviour of LAS Portfolio and identify the early sign of stress in the portfolio and highlight it to the reporting manager.

- Policy preparation/review /updating at regular intervals

- Review and renewal of existing LAS Portfolio.

- Regular tracking of progress on the agreed key metrics towards delivering on the strategy.

- Preparation of RPRs of the LAS portfolio as when required.

- Providing timely inputs to Business team, COE, Compliance team, Finance team, IFC Audit team, Internal Audit team, RBI Audit.

- RBI Reporting of SMA-2 and large exposure.

- Monthly preparation of Deck.