Credit Manager-Working Capital

Underwriting target customer and onboardingquality portfolio

Ensure Credit policy and process adherence bymonitoring and timely review of processes and execution.

Suggest Policy revisions in line with changingmarket conditions.

Evaluate various collateral types for theirvalue and title documentation requirements

Participate in collection of dues fromcustomers to maintain low delinquency.

2. Customer (Both Internal & External)

Appraise various Customer segments in marketsdefined by the bank as area of operation for lending.

Co-ordinate with Legal & TechnicalAgencies for quality and timely delivery of credit reports.

Meet appropriate customers for understandingof their needs and Conduct underwriting and renewals of cases under purview

Co-ordinate with functions like operations,FCU, business, risk, audit, technology etc. for effective delivery to endcustomers.

Ensure various reports are being sent tostakeholders on monthly basis & at regular frequencies.

3. Internal Process

Time to time Intervention to manage groundlevel risk effectively.

Full adherence to RBI regulations ondocumentation and KYC compliance.

Provide Audit Compliance.

Timely hiring of Credit Process Associates(CPA) for the location as per the budget

4. Innovation & Learning

Timely training to CPAs in the location.

Maintain up to date knowledge of MSME andother related products.

Upgrade self and team about changes happeningin the market.

Networking with other NBFCs/Banks to have adeeper understanding of the Industry and its perspectives