Bachelor's degree in Commerce, Finance, Economics, or related fields (MBA preferred).
Strong understanding of credit underwriting, business financial analysis, and risk assessment.
Good knowledge of SME/MSME business models, unsecured/secured business loans, and working capital products.
Excellent analytical and decision-making skills.
Proficiency in MS Excel and credit assessment tools.
Strong communication and coordination ability
Key Responsibilities:
1. Credit Evaluation & Decision Making
Review and assess business loan proposals submitted by Relationship Officers.
Analyse financial statements, cash flow, business performance, and collateral valuations.
Make credit decisions within delegated authority or recommend cases for higher approval.
Ensure thorough due diligence, risk identification, and accurate documentation.
2. Portfolio & Risk Management
Monitor branch loan portfolio performance, including delinquency, restructuring, and early warning signals.
Ensure compliance with internal credit policies, regulatory guidelines, and risk frameworks.
Identify potential high-risk accounts and implement corrective measures.
Conduct periodic reviews of existing loan accounts to ensure sustainability and profitability.
3. Operational & Compliance Oversight
Ensure all loan files, documents, and approvals are complete, accurate, and properly archived.
Coordinate with legal, compliance, and operations teams on loan disbursements, collateral registration, and policy updates.
Support audit processes and resolve credit-related findings.
4. Team Leadership & Collaboration
Supervise and guide Credit Officers and Relationship Officers in credit analysis and documentation.
Provide training on credit policies, risk assessment, and underwriting standards.
Work closely with the branch sales team to balance growth with prudent lending practices.
Foster a culture of discipline, compliance, and continuous improvement
5. Business Support & Customer Service
Participate in client visits when necessary to assess business operations and validate credit information.
Job Type: Full-time
Pay: ₹382,351.86 - ₹574,714.08 per year
Work Location: In person
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