Roles and Responsibilities: -

Functional Requirements

• Responsible for assessing customers sourced by the Sales team in line with the credit policy, and determining deviations and exceptions.
• Handling credit underwriting of working capital / channel finance / term loans cases in the mapped region including visiting the customers.
• Ongoing monitoring of accounts, deferral tracking including tracking developments in the industry and the account to identify stress and work with the business teams / credit managers in devising appropriate mitigation strategies wherever needed.
• Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy.

Team Management

• Mentor and guide the credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.

Portfolio Management

• Reviewing the portfolio monthly including analysis on the delinquent cases and suggest changes in current Credit policy.
• Managing the changes in Credit policy as per market requirement to maintain healthy portfolio quality.

Desired Skills: -

• CA/CFA.
• Experience as a Credit Manager in SCF / Wholesale Funding (Inventory Finance) / Dealer Finance in Bank / NBFC.
• Experience in End-to-End processing of loan proposals.