Credit Manager (CM)-Sangamner, Gadhinglaj
Job Description:
Qualifications : Minimum Graduate in any stream
experience : 3-6 years total experience in credit function with 2-3 years or more relevant experience in credit approval in consumer finance (LAP/Personal loan/Mortgage/Auto/2W/Consumer Durable) in NBFC/Banks
Department : Credit & Risk
Organizational Relationships
Position reporting to : Cluster Credit Manager
Job Purpose:
Responsible for monitoring, managing, maintaining good loan portfolio (Secured and hypothecated loan)
in the branch for business as per company policy. Underwriting Secured and hypothecated loan and following
all necessary process and policy for the same. Training to CROs on credit assessment/appraisal approach
and helping them to perform better.
Key Responsibilities:
1) Managerial Responsibilities : To help manage the branch with help of Branch Manager
2) Functional Responsibilities :
Enforcement and adherence of the company credit process and policy in the Branches for Secured and hypothecated loans
Approval of Secured and hypothecated loans as per policy
Review of portfolio with respect to delinquency/losses/fraud of the portfolio with branch manager
Hand holding of branches in initial stages for better understanding of processes including customer assessment, cash flow, CPV etc
Interacting with Branch Managers and Cluster Business Manager from risk and loss control perspective.
Job Requirements Functional Competencies :
Credit Appraisal: Ensure all loan application is appraised as per credit policy and within applicable TAT. Meeting the customer for approval is also required
Risk Mitigation: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area
Collection: Need to monitor collection as per repayment schedule from customers. Collection is done by Branch CROs
Training: Training branch CROs regularly on credit policy and improvement areas.
Behavioral Competencies :
1) Maintaining Balance while taking decisions relating to approval
2) Adaptability/ Accountability
3) Integrity & Valuing Diversity
Key Interactions
Internal:
All branch employee
All supervisory Team
External:
Customers/prospective customers
Competitors/other players in market
Vendors ( Fraud agencies/advocates/valuers)
Company Profile
Our brand client is a commitment by two entrepreneurs and over 2000 employees who believe that by supporting and creating new economic opportunities for deserving small business women and men, lives can be enriched and communities can be transformed. The company focuses on the missing middle segment, which is not effectively served by the formal --- system. The objective is to make finance available at a reasonable cost and deliver in a transparent manner.
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- Interested candidates are requested to apply for this job.
- Recruiters will evaluate your candidature and will get in touch with you.