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Varthana
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Manager - Credit

Manager - Credit

Varthana

5 years

4 - 7 Lacs

udaipur

Posted:3 weeks ago| Platform: GlassDoor logo

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Skills Required

writing underwriting compliance audit controls finance presentation technology communication monitoring risk management portfolio report security metrics collaboration data reports

Work Mode

On-site

Job Type

Part Time

Job Description

Published on

dd-MMM-yyyy

Branch

Udaipur

Qualifications

Graduation

Experience

5 Years - 0 Months To 6 Years - 0 Months

Contact

Piyush - 7619421164

Key Requirement for the Position

Should be a post Graduate/Graduate with a good command over writing & speaking English
Experience of 3-4 years of credit underwriting or similar function like process compliance, internal audit, internal controls, etc
Candidates with commerce or finance background will be preferred
Working knowledge of computers with good analytical and presentation skills
Ability to deal with asymmetric information during credit appraisal
Quick learner of new systems / technology
Excellent communication & interpersonal skills to confidently interact with Customers / 3rd party / internal or external employees to get the desired resolution

Job Description

Job Description

Credit monitoring is a crucial component of the Credit Risk Management function that ensures the desired quality of the portfolio.
In Varthana’s context, regular monitoring of the schools is essential to confirm that the loan has been used for the intended purpose; report at the earliest any reduction in the enrolment of students, thereby affecting the viability of operations; any changes in the list of trustees or society members; any increase in the overall obligations; reduction in the value of the security provided; etc. that may adversely impact the ability of the school to repay the Varthana loan on time.
Monitoring also includes identifying internal errors like calculating income based on erroneous assumptions, improper levels of deviations, not capturing deviations properly, etc.
This job is for someone who is very passionate about credit risk management as a function with the objective of improving the performance metrics of the function.
The candidate has to have a sound understanding of the credit processes as well as a business sense to identify the key signals.
Collaboration and a relationship oriented approach will be crucial to get the right kind of information from the customers and to give feedback to the credit team so that the processes can keep improving on a continuous basis.
Ability to work with data and performing basic level of analyses would be highly desirable.

Specific Responsibilities

Create a charter and a roadmap for the monitoring activities for the financial year.
Ensure that the monthly goals for client monitoring are achieved in a timely manner.
Prepare the regualr reports that become the basis for engaging with respective managers of the credit underwriting team to ensure that errors are minimized and risks are identified at the earliest.
Present reports are regular intervals to the senior management on the findings, action taken, impact of exercise etc

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