Credit Manager - Secured Business Loans (Micro LAP)

As a Credit Officer, your primary responsibility will be to verify whether all loan applications are assessed in accordance with the credit policy, and to ensure that any deviations are appropriately mitigated and documented. You will engage with customers through personal discussions and interviews, ensuring timely processing of all files while fostering strong relationships. Collaboration with the sales and operations teams will be essential for accurate data collection. Additionally, you will oversee the security creation process for secured loans, guarantee compliance with KYC guidelines mandated by the RBI, and evaluate credit applications to ensure adherence to credit parameters. Your role will also involve relationship management, working closely with sales and relationship managers to facilitate proper documentation and address any audit queries. Proficiency in data processing using computer spreadsheets, the ability to assess clients without audited financials, and a comprehensive understanding of various risk dimensions such as operational, credit, and market risks are crucial for success in this role. A willingness and capability to travel within the city will also be required to fulfill the responsibilities effectively.,