Credit Manager - FinTech Startup

Job Title - Credit Manager

Start up experience is mandatory

Fintech experience is mandatory

Key Roles and Responsibilities :

- Credit Risk appraisal & evaluation of loan applications/proposals.

- Provide recommendation based on credit risk assessment.

- Ensure strict adherence to credit policy and escalation matrix.

- Evaluation & approval of loan disbursements.

- Recommend changes in credit policy and underwriting processes.

- Monitoring and periodic review of portfolio & supervising the overall Risk & Credit checks/controls.

- Ensuring the compliances for the purpose of post disbursement monitoring.

- Monitoring of cost / Cash Flow / Budgets, Escrow monitoring & loan covenants. Comparison and reporting (findings) in line with projections.

- Develop & manage vendors for addressing credit risk needs.

- Location & site visits from time to time to better understand the customer, to evaluate the quality and adherence to the policy norms and to advise improvements to credit policy.

- Maintain a reasonable TAT and providing inputs on operational capability and other processes.

- Conduct training of the Team on regular basis.

- To have a sound knowledge of the market in terms of risks associated with the product and prevalent market practices in operation.

- Portfolio monitoring / tracking & escalation of adverse new events in the portfolio of region / area.

Desired Candidate Profile - The candidate should preferably have prior experience in MSME Loans or Business Loans or Overdraft.

- Must demonstrate capability to manage team and take additional responsibilities.

- Candidate must be flexible in visiting sites and locations.

- Good communication skills.

- Sound knowledge of credit policies & lending frameworks