Credit Manager null

Responsibilities

• Taking care of cases when they move to underwrite after credit processing.
• Conducting tele PDs.
• Be responsible for Quantitative & Qualitative Analysis of the case.
• Financial Analysis: creditworthiness of the client, past trends, net worth, etc.
• Banking Analysis: who all are the anchors, who are the suppliers, EMIs analysis, if any EMIs have bounced, if any loans have been disbursed within the last 6 months, etc.
• Statutory Analysis: check if the returns have been filed, GST has been filed, if any tax payable is there, check liquidity crunch, etc.
• Qualitative Analysis: Discuss the issues which cropped up during the Quantitative Analysis and come to know the bigger picture.
• Legal Analysis: check if any complaints have been filed against the client, etc.
• Also, the checks are not limited to only this. He/she will do everything to find out if it is safe to give money as an unsecured loan to the client. For eg, standing in front of the shop to check if he's actually getting the number of customers he claims he gets, etc.
• Prepare CAM and process of the file to Credit Manager for Approval.
• Meeting customer personally to evaluate the business, internal/ External reference check, FCU / RCU check
• Underwriting the cases / Customers based on the laid-out policy. Recommending / decision (Approve /Reject) the cases based on merit.
• Including but not limited to working closely with the sales team / Channel partners / cross-sell team to support them in the right manner which facilitates the growth of business and achievements of co-goals and targets
• Working closing with and coordinating with operations team for the smooth disbursement of approved cases.
• Portfolio analysis by mitigating the risk and then sanctioning the loan.
• Suggesting/initiating policy changes based on portfolio analysis.

Requirements

• CA/ MBA Finance
• Fresher or 2-3yrs into working capital finance.