Regional Credit Manager Sme

Job Title: Regional Credit Manager SME Date:
Job Holder Name: Dept: SME – Retail Enterprises
Reports To: National Credit Manager Location:
1: Job Purpose Statement (Summarise in one/two statements why this job exists and the contribution makes to the overall business of the company).
To analyze, develop, maintain and Expand the SME Retail portfolio in assigned geography.
2: Duties & Responsibilities ( List in the order of importance the duties & responsibilities of this job)
New Business & Product Development:
 Analyze the market for the products and do market research.
 Planning & execute market promotional activities according to market & business requirements.
 Meet with new customers for sourcing, assistance in business development activities.
 To establish strong marketing channels in the assigned territory through market research policies.
 Develop suitable products for new business opportunities.
Credit Assessment:
 Perform detailed credit analysis, field visit of the cases. Co-ordinate for credit risk assessment.
 CAM preparation and analysis of financial statements.
 Present the analysis to the committee for approval through Head - SME.
Operations & Monitoring:
 Co-ordinate for legal documentation, disbursement.
 Post-disbursement monitoring, Company performance monitoring, maintaining portfolio quality.
 Relationship management with the companies.
 Ensure collection of dues from the customers and also to help and monitor the payment from the company. 5: Decision Making Authority (Describes the type of decisions made alone, those on which the manager must be consulted, those referred to a higher level, and job procedures to be followed).  Proposal structuring, customer visits, business development.
 Proposal structuring, new products, Approval & Rejection of the cases.
 Sanction of the cases, creation/modification of credit and risk policies. 6: Job Requirements (Describe the educational requirements, suggested year and type of experience, nature and extent of skills/abilities required for the desired position).
Professional Qualification
Skills and Knowledge
Competencies
 Engineering background with an MBA degree is preferable with experience in Business development/credit of 5-10 years.
 Sound product knowledge.
 Good networking skills
 Good Team spirit & Leadership skills.
 Problem solving.
 Time Management.
 Resource Management.
 Strategic Analysis.
 Ability to make tough decisions.  Innovation Led Transformation.
 Result Orientation with Execution excellence.
 Customer Focus.
 Determination.
 Accuracy
 Integrity Thanks & RegrdsÂ

Poonam Shukla

Contact -

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