Branch Credit Manager - Micro LAP

Essential Qualifications:

Role directly reports to cluster - Credit Underwriting

• Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate
• 1-5 years of relevant experience in Credit underwriting Retail Asset
Banking products, services and operations (preferably in private sector,
HL & LAP/SME)
• Deep experience & understanding of retail financial services across
NBFCs, banking

Essential Experience / skills:

• Knowledge of local markets and trends in retail lending
• Understanding of local business and micro economy
• Ability to work under tight deadlines and to prioritize conflicting and
changing priorities
• Keen understanding and focus on risk, controls, compliance and
regulatory framework Ability to liaise with internal stakeholders and cross-functional teams
• Strong customer focus and management of stakeholder expectations
• Strong analytical & communication skills (written & verbal)
• Should be willing to adapt to digital tools and processes

Roles and responsibilities
• Responsible for upholding the Piramal brand by preparing quality proof proposal document
detailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loan
applications procured by Sales
• Conduct meetings and personal discussion (PD) with customers to understand their business, profile and loan requirement, and visiting business premise, property and residence of customer at the time of PD
• Assess borrowers profiles, repayment capacity and income stability to understand credit worthiness of customer by analysis of all documents, observation & findings of PD
• Analyse all customer related information in line with credit & risk policy to check eligibility
• Understand actual business income & expenses (other than reported income) of customer
• Interpret results of financial analysis, banking analysis and bureau reports
• Study, analyse and interpret legal & technical reports of property and other internal check reports
• Responsible for Underwriting and sanction of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility
• Revert on post sanction conditions prior to disbursement based on queries raised by the team
• Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix
• Co-ordinate and communicate with different departments • Maintain TAT as per guidelines
• Adhere to the policy/ process laid out by the Central team on all loan applications being processed
• Closely monitor on non-starters/first EMI bounce trends
• Ensure compliance on all aspects stipulated by company and regulatory committees
• Maintain and report various MIS to monitor portfolio performance and risk
• Continuously improve underwriting capability based on portfolio performance

Core Competency:
• Strong Management and Leadership Skills - Lead by example with good team management skills
• Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational
excellence
• Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams
• Team - Work & Collaboration - Fosters a culture of trust, collaboration and support
• Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and
written). Seeks and provides feedback
• Innovation Self driven and encourages others to actively look beyond boundaries for new insights and opportunities for success
• Customer Service Orientation - Identifies and anticipates customer needs and responds to them by maintaining long term relationships

Interested candidate can send the update resume to : Madugula.nagapurnaiah@piramal.com

Regards

Nagapurnaiah.Madugula

Geo Lead - Talent Acquisition