Job Description

Area Credit Manager - SCF

REPORTS TO (SOLID & MATRIX):

Position Grade:

M4/M5

Business Unit:

SME

Department:

Credit

Sub Function:

SCF

Location:

Number of Positions: Single

/ Multiple

Position Type: Full Time

Job Purpose

Direct Reports (Position Title)

Resources

The objective of the role is to ensure vigorous credit underwriting, monitor delinquencies, and enhance market intelligence. This involves preparing credit notes, conducting client visits, and analysing transaction risks. The role also includes identifying automation opportunities, minimizing audit queries, and staying updated on market practices to facilitate informed decision-making. Team Size
Direct: 3


Indirect Team Size (Onrolls): 3





Financial Resources
Book Size: INR XX


Net interest income:

Main Accountabilities

Qualifications & Experience


Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent Minimum Years/type of experience: 5 - 9 years in Banks/FIs
Competencies:


Speed Meritocracy Leadership Effectiveness Customer Focus Tech Quotient Sustainability Adaptability Influence Collaboration Integrity Resilience Agility Decisiveness Risk management Financial acumen
Functional Competencies


TCL shall populate as per the existing grid

Key Decisions taken


Amendment of credit notes and financial models. Preparation of detailed credit notes. Interaction with collections and sales teams for delinquency tracking. Customer meetings for industry and market understanding.


Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources) Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team Meet customers (retail & strategic) at regular intervals to understand various industry & markets Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes Control & Monitoring of Post Disbursement Documents -Invoice, Insurance & RC by way of interaction with sales and customers Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels Working on projects/process improvements from time To time Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants Detailed financial appraisal covering the business model, working capital cycle, profitability etc Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health Identify the automation opportunities in existing processes, new product development Quality of Credit Underwriting Raise early warning signals for exit of stress accounts and take due measures for timely exit Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines Active involvement in customer visit Regular MIS on market intelligence

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