Posted By
Posted in
Banking & Finance
Job Code
1147453
We are looking for passionate finance professionals in our Credit & Risk Function. Our ideal candidate is analytically strong, is passionate about business evaluation & credit underwriting, is excited by using different technologies, is a quick learner, can deal with ambiguity, is flexible, and curious. We are entering a significant growth phase and are looking for individuals with entrepreneurial mindset who wants us to join in this exciting journey.
Responsibilities :
- Manage pan India for secured/ unsecured loans for SMEs/MSMEs/ mid corporates/ small size financial institutions/ NBFCs.
- Involve in Policy and Process development and implementation.
- Manage process for Credit Approvals, Controls and Risk management.
- Monitor credit quality of the accounts in the portfolio.
- Liaise with clients, externals and internal teams ask subject experts for risk and credit.
- Focus on leakages and critical controls pertaining to risk and credit systems.
- Should be involved in technology development in terms of decision automation.
- Evaluate Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
- Underwriting cases with desired level of quality and enabling achievement of Business target by proper training
- Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation
- Analyze the NPA trend like area, industry, sector etc.
- Interact with Customers & understand the business and regularly monitor delinquencies
- End to end process ownership. This requires understanding and ensuring delivery as per defined SLA's.
- Develop and maintain detailed MIS to track the effectiveness and SLAs of the team.
- Have regular calls with the clients and advise them of any optimization opportunities.
- You will be the key point of contact for the clients and will also take ownership of onboarding of any new sub process from the client.
Basic Qualifications :
- 3 Years Plus work experience related to credit assessment and underwriting and/or commercial lending
- Expertise in reviewing audited and unaudited financial documents of companies of different sizes (small, medium, and large listed and unlisted corporations)
- Solid understanding of 'off balance sheet items' and how they should be treated to evaluate the credit risk of the customers.
- Ability to deal with a great degree of ambiguity (startup atmosphere)
- Flexibility in being able to adapt to new technologies
- Good verbal and written communication skills
- Knowledge and belief in adhering to a strong growth culture
Preferred Qualifications :
- Masters or any post graduate qualification highly desirable. Bachelors in related field like accounting, economics, business management, statistics, etc
- Proficient in MS Office, Advance level knowledge of Excel
Didn’t find the job appropriate? Report this Job
Posted By
Posted in
Banking & Finance
Job Code
1147453