Zonal Credit manager- CA with 10+ Years of Experience

Company Description The position is for growing NBFC based in Mumbai, specializing in secured funding for MSMEs. The company offers tailored financial solutions to meet the unique needs of clients, providing a strong platform for learning and professional growth, particularly in credit analysis and finance. Our focus is on empowering aspiring professionals by equipping them with the essential skills and knowledge to thrive in the fast-evolving financial landscape. Role Description This is a full-time, on-site position for a Zonal Credit Manager with a minimum of 10 years of experience. The role involves managing a team and overseeing credit operations across the entire West Zone. Qualifications: Chartered Accountant. At least 12 years of experience in SME LAP. Minimum 5 years of experience in a supervisory role. Proven experience in managing a team of at least 10 people. Credit Management and Credit Risk Management skills Analytical Skills and Finance expertise Excellent decision-making abilities Strong attention to detail Great interpersonal and communication skills Key Responsibilities: Credit Policy and Underwriting: Apply and suggest improvements in credit and underwriting policies and processes. Develop and deploy underwriting models to enhance efficiency and effectiveness. Ensure the infrastructure supports these models effectively. Portfolio Management: Conduct comprehensive portfolio studies of the outstanding advances portfolio. Lead credit tightening initiatives to control delinquencies while maintaining business profitability. Balance risk and reward across various products within the zone. Credit Risk Strategy: Maintain and update credit risk strategy and policy through continuous analysis of business and collection trends. Conduct risk assessments and implement mitigation strategies. Ensure the credit policy is in alignment with the overall business goals. Policy Review and Competitor Analysis: Regularly review and update credit policies in line with business objectives. Stay informed on competitor policies and practices to maintain a competitive edge. Reporting: Prepare comprehensive Risk & Credit Decks on a monthly basis for the zone. Provide insightful analysis and recommendations based on these reports. Relationship Management: Develop and maintain strong relationships both internally and externally. Foster a collaborative environment to ensure smooth credit operations. Team Guidance and Development: Ensure a thorough understanding of credit policies across all relevant levels within the team. Provide guidance and support to the team to enhance their performance and understanding. Market Knowledge: Maintain up-to-date knowledge of the market and product segmentation. Use this knowledge to inform credit strategies and decisions. Key Skills and Attributes: Strong analytical and decision-making skills. Excellent leadership and team management capabilities. In-depth understanding of credit risk management and mitigation. Proficient in developing and implementing credit policies. Ability to conduct detailed portfolio analysis. Strong communication and interpersonal skills. Up-to-date with market trends and competitive practices.,