Credit Manager - SCF - Digital

Role Overview: As a Credit Manager in the digital department of the SME Business Unit, your primary objective is to ensure robust credit underwriting, monitor delinquencies, and enhance market intelligence. This role will involve tasks such as preparing credit notes, conducting client visits, and analyzing transaction risks. Additionally, you will be responsible for identifying automation opportunities, minimizing audit queries, and staying updated on market practices to support informed decision-making. Key Responsibilities: - Amendment of credit notes and financial models - Preparation of detailed credit notes - Interaction with product and sales teams for structuring and portfolio management - Customer meetings for industry and market understanding - Pre-approval and rating of all unrated corporates - Control and monitoring of post-disbursement documents (MOU, FLDG Agreements, term sheets, etc.) - Managing portfolio quality of documentation, post-disbursal documents, and delinquency levels - Working on projects/process improvements - Critically evaluating transaction, business, and financial risks - Identifying relevant risks and proposing appropriate mitigation strategies - Performing detailed financial analysis - Developing market intelligence by engaging with other banks and FIs - Identifying automation opportunities and supporting new product development - Quality credit underwriting - Raising early warning signals for stress accounts and taking timely measures - Ensuring minimal audit queries and resolving them within timelines - Active involvement in customer visits - Regular reporting of market intelligence Qualifications Required: - Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent - Minimum Years/type of experience: 2-3 years in Banks/FIs Additional Company Details: Omit (No additional details provided in the JD),