Manager / Senior Manager Credit - Lap

Locations :

Ludhiana

Pune

Patna

Delhi

About DMI Finance :

Led by technology, powered by creative thinking and driven by innovative partnerships, DMI is reimagining the transmission of credit in India.

Founded in 2008 by Shivashish Chatterjee and Yuvraja C. Singh, and supported by a deeply experienced team, DMI has grown into a pan-India credit platform with core businesses in corporate lending, housing finance, digital consumer and MSME finance and asset management.

DMI is supported by global institutional investors, strategic family offices and leading banks and public market creditors in India.

Job Purpose :

Incumbent will be part Secured Loan- MSME - Risk & Policy Team for DMI Consumer Credit team. Core responsibilities would include evaluating creditworthiness of the clients by analyzing the financial performance of the clients for secured products primarily Loan against property

Accountability : Credit underwriting

• Underwriting Secured loans – Loan against property proposals as per the laid down policies and procedure
• Identify & assess the risk in the proposal, provide adequate credit support to the business, approve credit applications
• Conducting PD and field visits to understand the client requirements and check credit worthiness.
• Scrutinizing the financials and relevant documents and checking the credit history of the client

Policy Support formulation

• Suggest policies modifications, wherever required, for new partners and channels (Acquisition & Line management)
• Identify and re-engineer processes on an ongoing basis and take corrective action in a timely manner without disrupting regular lending workflow
• Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies.

Portfolio Management

• Constantly Evaluate portfolio performance.
• Benchmark to Industry Standards.

Stakeholder Management

• Working closely with business sales managers to maintain a balanced and profitable credit portfolio.
• Providing guidance to the business team w.R.T areas of policy and processes would be required on an ongoing basis.
• Interacting with cross functional teams and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms
• Participating in internal projects that improve credit process efficiency and effectiveness to assist in achieving key strategic objectives

Qualifications

Minimum Qualification : Postgraduate degree in management / CA

Skills : Digital Assessment, Tech-savviness, Advanced Excel

Work Experience

6-8 Years of relevant experience for Senior Manager

2-5 Years of relevant experience for Manager