Credit Manager

Core

Responsibilities

• Credit delegation authority to be exercised with all due diligence within the policy framework.
• Adherence to the defined policy / process & timely decision on all applications being processed.
• Interpretation of credit bureau reports, dedupe checks, assessment of financial statements, plotting financial tools / spreadsheets & evaluate financial ratios, analysis of bank statements, ascertain existing liability of applicant and overall arriving the financial eligibility in line with the policy.
• To ensure all loan applications are processed within the defined turn-around time [TAT].
• Increase the efficiency of underwriting by reducing reworks and increasing FTR in all the activities carried.
• Follow up with sales counterparts for pending cases to ensure both credit TAT and E2E TAT are met as defined by the senior management.
• To check data entry quality is intact and error rate is minimal; periodic feedback to be shared with data entry vendors / respective team.
• To conduct customer tele verification / physical visits- personal discussion with applicants to understand the profile, business model, requirement, end-use, seek clarification if any etc.
• To keep a track on market factors & identify the impact on credit portfolio & decisioning.
• To keep focus on creating high quality portfolio.
• Ensuring proper covenant management is done.

People Management or Self-Management Responsibilities

Risk and

Internal Control

Responsibilities

Years of

Experience

Nature of

Experience

Skills Required

Vendor Management