Manager - Credit FIG

Job Description

DEPARTMENT - CREDIT SUB-DEPARTMENT - FIG REPORTS TO - National Credit Manager-FIG ROLE PURPOSE & OBJECTIVE This role is responsible for Credit analysis along with training of junior credit analyst/RMs. The incumbent will manage the best quality of assets/investments generated by FIG/Treasury in accordance with regulatory standards. SIZE OF THE ROLE FINANCIAL SIZE Managing loan / investment portfolio of ~Rs2000 crores across FIG/Treasury vertical. NON-FINANCIAL SIZE Training junior analyst PAN/RMs India. KEY DUTIES & RESPONSIBILITIES OF THE ROLE 1. Business/ Financials Ensuring complete credit under-writing and due diligence of the existing as well as prospective client within defined TAT Ensuring best quality of portfolio / investment of FIG/Treasury through Regular review of portfolio / covenant breaches Training of Junior Credit Analyst /RM Provide development opportunities to the team and ensure career paths and succession plans are charted out, reviewed and updated Handling Internal/Statutory/RBI audit in coordination with various other teams Handling Compliance related issues 2. Customer All NBFCs/MFIs/Corporate entities/Banks/Broking entities in the portfolio being managed. Client meeting to understand their on-ground functioning & actual performance while reviewing any proposal. 3. Internal Process Writing notes adhering to internal policies & RBI guidelines on Lending/investments to NBFC/MFIs/Corporates/Banks/Broking entitiesof bank. Review & updation of internal policies of the group at regular interval. Regular monitoring of portfolio & covenants 4. Innovation & Learning Updated with latest developments in the market & informing the same to all relevant stake holders at appropriate time. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications - CA/MBA Finance Experience Min 6-8 years experience (Banking/NBFC experience) Functional Skills The candidate preferably should have working experience of min 4-5 years in credit appraisal of NBFCs/MFIs/HFCs/Corporates/Banks/Broking entities. The candidate should be well verse in detailed financial analysis, analytical tools and overall risk assessment measures. The candidate should have good communication skill (written as well as oral) The candidate should be well versed with different lending structures being offered to NBFCs/MFIs/Corporates/Broking entities and should have good understanding of regulatory guidelines and general sense of market events. The candidate should be well verse with necessary regulatory guidelines on lending/investment to NBFC/Corporates/Banks/broking entities. The candidate should be able to check market standing of the borrowers in the portfolio through his off-market contacts. Behavioral Skills Disciplined, analytical thinking, team leading abilities, Inter-personal skills, self-motivated & Proactive approach KEY INTERACTIONS INTERNAL Risk FIG/Treasury Compliance Legal EXTERNAL RBI/ Statutory/Internal Auditors Clients.