National Credit Lead - SME/MSME Portfolio

Manage the overall SME/MSME Lending Process and portfolio.

- Assessing Credit Worthiness of the potential client by studying financial History basis documents Submitted,market information, reference checks.

- Underwriting and making Proposals of cases with the desired level of the higher Authorities.

- Ensuring systematic and timely verification Processes,Coordinating with the verification agencies.

- Finalization of terms & Conditions of the proposal in consulting with the higher Authorities

- Timely Processing Other proposals to ensures the faster Tat.

- Ensuring Adherence to the internal credit policy, RBI Guidelines & Guidelines specific to Nbfc's.

Maintain the corporate credit policy

Recommend changes in the credit policy to senior management

Create a credit scoring model

Manage customer credit files

Monitor the credit granting and updating process

Accept or reject the staff's credit recommendations

Personally investigate the largest customer credit applications

Personally visit the largest customers to establish relations

Monitor periodic credit reviews

Monitor deductions being taken by customers

Manage the application of late fees

Manage the corporate financing program

Management of the organization's credits and accounts receivable

Analysis and preparation of reports about credits

Measurement and analysis of department performances and credit administrations

Optimization of credit management processes

Maintenance of relationship with collection agencies, insurance companies, sales department etc.

Administration of customer credit files

Only People with relevant experience need to apply.