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Ujjivan Small Finance Bank
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Credit Manager-Semi formal LAP

Credit Manager-Semi formal LAP

Ujjivan Small Finance Bank

3 - 8 years

6 - 10 Lacs

anupshahr coimbatore bengaluru

Posted:1 day ago| Platform:

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Skills Required

financial analysis risk management balance sheet working capital msme loan fraud control business loan lending credit risk personal loans branch management sales term loan underwriting mortgage kyc credit policy lap home loans mortgage loans mse

Work Mode

Work from Office

Job Type

Full Time

Job Description

ROLEPURPOSE & OBJECTIVE

Expertknowledge of assessing credit risk for large ticket size cases upto Rs. 1 Cr.
Conductincome appraisal of MSME borrowers. In depth understanding andanalysis of P & L Account and Balance Sheet including cashflows of self-employed borrowers.
Assessfinancial ratios, in depth knowledge of rational behindcalculation of ratios and its impact on loan performance overlong tenures.
ProvideMarket intelligence from competition and customers standpoint
Recommendationson new processes & fraud Control initiative etc.

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

Portfoliosize of Rs. 200-300 Cr

10-15vendors (legal, technical etc.)
1product (secured)
25-30files per month

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business/Financials (Only Relevant roles)

Underwritingtarget customer by self and supervising the team to support forbuilding of a performing portfolio.
Evaluatevarious collateral types for their value and title documentationrequirements
Participatein collection of dues from customers to maintain low delinquency.
EnsureCredit policy and process adherence by monitoring and timelyreview of processes and execution.
SuggestPolicy revisions in line with changing market conditions.

Customer(Both Internal & External)

Appraisevarious Customer segments in various for markets defined by thebank as area of operation for lending.
Co-ordinatewith Legal & Technical Agencies for quality and timelydelivery of credit reports.
Meetappropriate customers for understanding of their needs andConduct underwriting and renewals for cases under purview
Co-ordinatewith functions like operations, FCU, risk, business andtechnology for effective delivery to end customers.
Ensurevarious reports are being sent to stakeholders on monthly basis &at regular frequencies.

InternalProcess

Timeto time Intervention to manage ground level risk effectively.
Fulladherence to RBI regulations on documentation and KYC compliance.
LUCand periodic loan monitoring framework
ProvideAudit Compliance.
Timelyhiring of Credit Officer for the location as per the budget

Innovation& Learning

Timelytraining to branches in the location.
Maintainup to date knowledge of MSE and other related products.
Upgradeself and team about changes happening in the market.
Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives
Performon time appraisal and suggest suitable career paths for staff

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

MBAin Finance from a reputed college (B.Com, M.Com with relevantexperience)

Experience

Preferredexperience of 2/3 years or more in Credit MSME Loan products interm loans and working capital limits.

FunctionalSkills

Knowledgeof Credit in MSME Loans including term loans and overdrafts
Knowledgeof financial analysis & cash flow determination
Evaluateand assess collateral security/collateral documentation adequatefor the lending
BusinessAnalysis Skills
CommunicationSkills.

BehavioralSkills

TeamManagement Skills
Leadership
Possessesgood interpersonal skills

KEYINTERACTIONS

INTERNAL

EXTERNAL

RegionalCredit Manager, Area Credit Managers, Regional Business Managers,Area Managers, Product Managers, Credit Officers/CPA

Vendors& Consultants

VigilanceManagers, Legal Managers, Audit Manager, Risk Managers, CollectionManager

Customersand Community

OperationsManager, IT Manager and Service Quality Manager

Competitors& Other credit agencies

RecruitmentManager, State HR, Payroll Manager ,Branch Manager & Accounts Manager

Auditors

Location - Anupshahr , Bengaluru , Coimbatore , Erode , Hosur , Hyderabad , Krishnagiri , Madurai , Magadi , Mysuru , Paramathi-Velur , Peenya , Salem , Tiruppur , Tumkur , Udumalaipettai

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