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Muthoot Microfin - Regional Credit Manager

Muthoot Microfin - Regional Credit Manager

Muthoot MicrofinNagpur, India
11 days ago
Job description

Role Description :

  • We are looking for a dynamic Regional Credit Manager to join our Nagpur team.
  • This full-time, on-site position is pivotal to maintaining the financial health and stability of our regional loan portfolio.
  • The role involves comprehensive oversight of credit management activities, including risk assessment, loan disbursement monitoring, and compliance adherence.

Key Responsibilities :

  • Lead and manage credit risk assessment for the region's portfolio to ensure minimal defaults and healthy asset quality.
  • Monitor and oversee loan disbursements, recoveries, and repayments, ensuring alignment with company standards and policies.
  • Conduct in-depth credit analysis and due diligence on loan applications and borrower profiles.
  • Collaborate with field teams to address and resolve credit-related issues and to implement risk mitigation strategies.
  • Ensure full compliance with internal policies and regulatory requirements, maintaining documentation and audit readiness.
  • Generate regular reports on portfolio performance, risk metrics, and credit trends for senior management review.
  • Mentor and guide credit officers and operational staff within the region to enhance credit assessment capabilities.
  • Qualifications & Experience Education :

  • Bachelor's degree in Finance, Accounting, Economics, or a closely related field is mandatory.
  • Master's is a plus.
  • Experience :

  • Minimum 5 to 6 years of professional experience in credit management or credit risk roles, preferably within microfinance, banking, or financial services sectors.
  • Proven track record of managing regional or branch-level credit portfolios with significant exposure to retail or microfinance lending.
  • Experience in credit risk assessment, loan underwriting, and portfolio quality management.
  • Familiarity with JLG or similar group lending models is highly desirable.
  • Skills :

  • Strong analytical and quantitative skills with the ability to interpret financial data and credit reports.
  • Excellent verbal and written communication skills to interact effectively with internal teams, borrowers, and regulatory authorities.
  • Demonstrated problem-solving capabilities with keen attention to detail.
  • Ability to work independently while effectively collaborating within a cross-functional team.
  • Proficiency in relevant financial software and MS Office application.
  • (ref : iimjobs.com)

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    Credit Manager • Nagpur, India

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