Credit Manager - BFS

Credit Manager

1) To prepare documentation highlighting the viability of credit lending proposals based on institutionalized processes and dynamic market information:

- To take up decision proposals within delegated authority

- Following the developed formats and norms for approval, ensure their ratification within the team and from approval authorities in the system and institutionalize the prescribed process

- To ensure revert back to the sales teams with analysis of the broad parameters for considering or not considering the given proposal.

2) To ensure efficient Turnaround time (TATs) for validating the proposals:

- To ensure prompt resolution/ explanation of queries raised by sanctioning authorities.

3) To perform portfolio monitoring and analytics for effective risk monitoring:

- To monitor the portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyze the covenants and evaluate industry performance in that sector.

4) To construct, monitor and highlight MIS to the business head and the RMs for better business understanding:

- To monitor the status of all important initiatives with the RMs and update them, support the RMs for closure.

- To report sales vs. budget variations & review trends and provide inputs for various presentations