Credit Manager

1. Business/ Financials (Only Relevant roles)

• Underwriting target customer and onboarding quality portfolio

• Ensure Credit policy and process adherence by monitoring and timely review of processes and execution.

• Suggest Policy revisions in line with changing market conditions.

• Evaluate various collateral types for their value and title documentation requirements

• Participate in collection of dues from customers to maintain low delinquency.

2. Customer (Both Internal & External)

• Appraise various Customer segments in markets defined by the bank as area of operation for lending.

• Co-ordinate with Legal & Technical Agencies for quality and timely delivery of credit reports.

• Meet appropriate customers for understanding of their needs and Conduct underwriting and renewals of cases under purview

• Co-ordinate with functions like operations, FCU, business, risk, audit, technology etc. for effective delivery to end customers.

• Ensure various reports are being sent to stakeholders on monthly basis & at regular frequencies.

3. Internal Process

• Time to time Intervention to manage ground level risk effectively.

• Full adherence to RBI regulations on documentation and KYC compliance.

• Provide Audit Compliance.

• Timely hiring of Credit Process Associates (CPA) for the location as per the budget

4. Innovation & Learning

• Timely training to CPAs in the location.

• Maintain up to date knowledge of MSME and other related products.

• Upgrade self and team about changes happening in the market.

• Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives

Perform on time appraisal and suggest suitable career paths for staff