We are looking for experienced Credit Managers for our existing and upcoming branches in Maharashtra at Pune, Pimpri-Chinchwad, Aurangabad and Kolhapur.
Responsibilities & Key Deliverables:
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Assessment and recommendation of loan proposals (LAP & unsecured BL)
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Physical meetings with customers, assessment of undocumented income and customer/ business profile.
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Preparation of CAMs, recommending and taking approvals from Sanctioners, and managing all credit related deliverables
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Managing all pre-disbursement activities in Branch including verification of loan documents in compliance with sanction letter and internal policies, managing the assigned tasks in LOS, seeking PDD/ OTC approvals and tracking them to closure, as well as assisting Central Ops team in MIS, returns, reconciliation etc.
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Delivering analytical quality & TAT as per expected standards for all loan proposals
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Engaging with Sales teams, Sanctioners and Central Operations team to drive closure of loan transactions
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Provide relevant & regular inputs for creation / refinement of Credit policy and Operations processes
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Monitor and track the portfolio health & performance and manage portfolio delinquency
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Responsible for managing the risk and credit practices in line with the Risk Policy framework
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Drive and support other miscellaneous initiatives as part of risk / credit / operations/ business from time to time
Required Skills and Experience:
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3 yrs+ of relevant experience in the NBFC industry (BL/ LAP) including PD experience
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Exposure and understanding of credit practices and products in small ticket business lending (secured and unsecured)
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Should have local market knowledge of key industries, high risk localities and understanding of property papers, acceptable collateral etc.
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Should be conversant with legal documentation for secured and unsecured loans.
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Early joiners will be preferred
