Credit Manager - Underwriting - Business Loans Finance

Job Responsibilities :

As part of Credit team for Business Loans Finance, the primary job of the credit manager is to understand :

- The business dynamics,

- Products on offer,

- Various segments to whom we lend

- Ensuring discipline in adherence to processes involved in credit buying

- Underwriting & making proposals of business loans and other products as per location requirement (LAP-TL, OD, Commercial purchase) manage the credit processing agent's activities

- Ensure systematic verification processes and coordinate with verification agencies

- Be up to date on industries we lend and business environment in general,

- Take appropriate credit decision,

- Monitor the portfolio sourced,

- Understand and interpret the portfolio quality

- Interact with sourcing agents

- Co-ordinate with internal and external auditors

Qualification - CA/MBA Finance with relevant underwriting experience

Job Knowledge :

- Good understanding of economy and implications of economic policies,

- Dynamics of international economic events on Indian economy, industry and segments, understanding of functioning various industries / segments - cost matrix, competitors, laws applicable o good understanding of financials to arrive at a decision on lending and recoverability of loans granted.

Skills & Experience - Ability to analyse news, information, change in laws, financial data and assess its future impact on the business of the loan applicant, segment / industry in which the applicant function, segment in which we operate. Generally strong analytical and futuristic intuitive skills are the need of the job