Credit Manager

Role & responsibilities

1. Expert knowledge of assessing credit risk for large ticket size cases up to Rs. 5 Cr.

2. Conduct income appraisal of MSME borrowers. In depth understanding and analysis of P & L Account and Balance Sheet including cash flows of self-employed borrowers.

3. Assess financial ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.

4. Provide Market intelligence from competition and customers stand point

Recommendations on new processes & fraud Control initiative etc.

Business/ Financials (Only Relevant roles)

• Underwriting target customer by self and supervising the team to support for building of a performing portfolio.
• Evaluate various collateral types for their value and title documentation requirements
• Participate in collection of dues from customers to maintain low delinquency.
• Ensure Credit policy and process adherence by monitoring and timely review of processes and execution.
• Suggest Policy revisions in line with changing market conditions.

Preferred candidate profile .

Candidate must have experience of Banking & NBFC.

Interested can call or share your updated resume on

mahesh.dolare@ujjivan.com / 8855042842