Job Description

Job Description: Credit Manager Designation: Credit Manager Qualification: Qualified CA/ Prior Experience: in Credit-Hl/LAP Experience: 3-6 Years Key Roles and Responsibilities: Evaluation of Proposals put up for recommendation / approval as per credit policy. Customer visit and discussions to assess the loan requirement. Customer business and income assessment. Understanding the business thoroughly for self-employed non-professional profiles. Ascertaining and validating the revenue streams and expenditure of the business. Should be able to see through the potential risks of the proposal. Should have ability to do due diligence without sufficient and formal documents / data. Files Checking as per Credit Policy. Risk Analysis related to case & Client. Maintaining quality of credit information, underwriting standards and presentation. PDD and Portfolio Management. Facilitate the development of clearly defined and updated policies & procedures for all credit risk management. Handling Disbursement officers for process. Accuracy of work and timeline adherence. Desired Candidate Profile: Proven work experience in Credit underwriting of Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME/Mortgages) Understanding of local business and micro economy Keen understanding and focus on risk, controls, compliance and regulatory framework Strong analytical & communication skills (written & verbal) Preferably CA/ ICWA/ MBA Finance / PG - Commerce) Ability to build, coach and mentor high performance oriented teams Should have good knowledge of Risk Related to Business. Good client servicing skills. Good financial analytical skills, communication skills.