Credit Head - NBFC

The Position is with a leading NBFC's Mumbai Head office.

Qualifications: MBA (full time) / CA - at least 12-15 years of experience

Grade- Vice Precident

Preferred Industry: Financial Institutions - NBFC/ Banks (Micro Enterprise)

Job Profile:

- Develop Credit Policies

- Ensure Credit Quality, provide credit recommendations for the portfolio handled

- Monitor Daily, Weekly, Fortnightly and Monthly MIS credits & early warning signals to minimize credit losses and devise appropriate strategies to reduce losses

- Responsible for perfection of documentations which results in to satisfactory audit comments

- Liaise with the Central Credit Bureau for understanding and advice on various reports & statistics

- Develop Scorecards for Retail Products and implement post testing

- Manage Portfolio by tracking through various MIS reports and analyzing Portfolio Profitability, Credit Risks, Provisioning, and Delinquency flow rates

- Must have handled a minimum Ticket size (20-50lacs)

- Track collections activities and ensure delinquencies are maintained within permissible limits

- Monitor Underwriting team & randomly check decisions in order to bring in uniformity in credit decisions

- Team handling experience is a must