Area Credit Manager-Leasing-Credit Appraisal-Delhi - Videocon Towers-MM •

Job Description

Area Credit Manager Leasing

REPORTS TO (SOLID & MATRIX) :

Position Grade : M4 / M5 Business Unit : SME Department : Credit Sub Function : Leasing Location : Number of Positions : Single / Multiple Position Type : Full Time

Job Purpose

Direct Reports (Position Title)

Resources

• The objective of the role is to ensure vigorous credit underwriting, monitor delinquencies, and enhance market intelligence. This involves preparing credit notes, conducting client visits, and analysing transaction risks. The role also includes identifying automation opportunities, minimizing audit queries, and staying updated on market practices to facilitate informed decision-making.

Team Size

Direct : 3

Indirect Team Size (Onrolls) : 3

Financial Resources

Book Size : INR XX

Net interest income :

Main Accountabilities

Qualifications & Experience

Minimum Degree : MBA / PGDBA / PGPM / CA or Equivalent

Minimum Years / type of experience : 5 - 9 years in Banks / FIs

Competencies :

Speed

Meritocracy

Leadership Effectiveness

Customer Focus

Tech Quotient

Sustainability

Adaptability

Influence

Collaboration

Integrity

Resilience

Agility

Decisiveness

Risk management

Financial acumen

Functional Competencies

TCL shall populate as per the existing grid

Key Decisions taken

Amendment of credit notes and financial models.

Preparation of detailed credit notes.

Interaction with collections and sales teams for delinquency tracking.

Customer meetings for industry and market understanding.

Prepare / amend the note / financial model with correct information (gathered via business team / public domain / other resources)

Prepare the credit note comprising of the detailed transaction structuring / assessment with a focus on the assessment part of the sought credit facility

Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team

Meet customers (retail & strategic) at regular intervals to understand various industry & markets

Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes

Control & Monitoring of Post Disbursement Documents â€'Invoice, Insurance & RC by way of interaction with sales and customers

Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels

Working on projects / process improvements from time To time

Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry

Identify relevant and associated risk as aforementioned and to submit appropriate mitigate against each

Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining / citing the precise reason of such movement

Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants

Detailed financial appraisal covering the business model, working capital cycle, profitability etc

Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health

Identify the automation opportunities in existing processes, new product development

Quality of Credit Underwriting

Raise early warning signals for exit of stress accounts and take due measures for timely exit

Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines

Through market knowledge of CE / CV market practices

Active involvement in customer visit

Regular MIS on market intelligence

JD Written by

JD Approved by

Skills Required

Risk Management, Credit Underwriting, Financial Analysis, Market Intelligence, Transaction Structuring