Deputy Unit Manager - Commercial Risk & ...

    

Job Purpose  
â"This position is open with Bajaj Finance ltd.â"
Credit Analyst for Preparation of Credit Appraisal Memo (CAMs) and underwriting of corporates for Commercial Lending Vertical of Bajaj Finance Ltd. The job role includes analyzing the proposal in details including business model, Industry analysis, financial spreads, projections and risks and mitigants. An effective communicator with the ability to coordinate with internal & external stakeholders & relate to people at all levels of business and management.    

Duties and Responsibilities  

 Preparation of Credit Appraisal Memos (CAM) covering details of financials, business, industry and management while maintaining quick TATs.

 Understanding of financials and due diligence process for lending to be carried out as per the Lending programs for Commercial lending division of Bajaj Finance Limited

 Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified to ensure NIL delinquency in the Portfolio.

 Ensure & review that the covenants & conditions as per sanctioned terms are regularly monitored.

 Monitoring of the end user industries covering the existing and prospective portfolio and identify any early warning signals

 Regular tracking of progress on the agreed key metrics towards delivering on the strategy.

 Track developments in the respective markets and provide feedback to the management team    

Required Qualifications and Experience  
Educational Qualifications
a) Qualifications
CA/MBA in Finance
b) Work Experience
a) Minimum 2 years in the Corporate Lending industry, preferably with a reputed Bank / NBFC.
b) Exposure in u/w for Corporate Clients would be preferred.