Manager- Credit 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.

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Managing loan / investment portfolio of ~Rs2000 crores across FIG/Treasury vertical.

• Training junior analyst PAN/RMs India.

1. 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

1. 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.

1. 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

1. Innovation & Learning

• Updated with latest developments in the market & informing the same to all relevant stake holders at appropriate time.

1. 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

1. KEY INTERACTIONS

INTERNAL

EXTERNAL

• Risk
• FIG/Treasury
• Compliance
• Legal

• RBI/Statutory/Internal Auditors
• Clients