Job Description

Job opening with a leading NBFC for Regional Credit Manager in MumbaiJob Role: Regional Credit ManagerDivision: SME BusinessProduct: Supply Chain FinanceJob Location: MumbaiJob Roles & Responsibilities:As the Regional Credit Manager for SME Supply Chain Finance at [NBFC Name], you will be responsible for managing the credit risk associated with the Supply Chain Finance product offered to Small and Medium Enterprises (SMEs). You will play a critical role in evaluating the creditworthiness of SME clients, ensuring adherence to credit policies and procedures, and optimizing the credit decision-making process within the region.-Credit Risk Assessment:-- Conduct thorough credit assessments of SME clients applying for Supply Chain Finance facilities.- Analyze financial statements, cash flows, credit histories, and other relevant information to evaluate creditworthiness.- Assess industry risks, market conditions, and macroeconomic factors impacting SME clients.- Credit Policy Adherence:- Ensure compliance with the credit policies and procedures set forth by the organization.- Review and update credit policies as necessary to mitigate risks and align with regulatory requirements.Decision Making:-- Make informed credit decisions within delegated authority, balancing risk and business objectives.- Present credit proposals to the Credit Committee for approval when necessary, providing comprehensive analysis and recommendations.Portfolio Management:-- Monitor the performance of the Supply Chain Finance portfolio within the region.- Identify early warning signals and proactively manage credit exposures to mitigate potential losses.- Work closely with relationship managers and sales teams to monitor client relationships and address credit concerns.Relationship Management:-- Collaborate with internal stakeholders including sales, operations, and risk management teams to streamline credit processes and enhance customer experience.- Build and maintain relationships with SME clients, providing guidance on credit requirements and facilitating solutions to meet their financing needs.Reporting and Analysis:-- Prepare regular reports on credit portfolio performance, delinquencies, and trends for management review.- Conduct periodic portfolio reviews and stress testing to assess credit quality and identify areas for improvement.Regulatory Compliance:-- Ensure adherence to regulatory requirements and guidelines governing SME lending and Supply Chain Finance activities.- Stay updated on relevant regulatory changes and industry best practices.

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