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Zonal Credit Head / Circle Credit Head - Unsecured Loan

10 - 20 years

20 - 35 Lacs

Pune Delhi / NCR Mumbai (All Areas)

Posted:2 weeks ago| Platform: Naukri logo

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Skills Required

credit ZCM regional credit unsecured loan credit head BL Sanction head credit zonal credit Credit Appraisal underwriting area credit credit assessment Personal loan credit evaluation PL Disbursement credit manager manager credit RCM UBL credit monitoring

Work Mode

Work from Office

Job Type

Full Time

Job Description

Roles and Responsibilities Establish key qualification rules & credit worthiness of applicants Preparing credit evaluation reports evaluating risk in borrower, transaction and underlying security and making recommendations. Expert knowledge of Industry specific, market knowledge & trend Expert knowledge of financial with key ratio & their impact. Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts Working on new credit monitoring measures and credit triggers and their tracking. Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client. Liasioning and networking in the industry to seek reference checks for clients as well as understanding the industry & economy dynamics Ensuring the approvals are taken as per policies laid down and ensuring the internal policies on credit are not violated Stakeholder management and big team handling experience is needed . Desired Candidate Profile 1. Relevant experience of 12+ yrs in Banks/NBFCs handling the credit appraisals and approval of small to mid size loans to trade and to business enterprises 2. CA/MBA full time 3. Candidate experience in a NBFC/Bank current or past or a banking organisation is essential. 4. Must be strong in Compliance and have an understanding of the Regulatory framework. 5. Should have hands on exposure in Credit assessment, appraisal, approvals & administration of the policies, Creation of policies, portfolio management/surveillance & credit scoring.

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