National Credit Manager - BFS

- Building and leading a highly collaborative and proactive risk function that is able to navigate the increasingly complex business and regulatory environment that the Firm operates

- Detailed and objective assessment of MSME loans applications originating from across the country

- Define the credit evaluation manual - Standard operating manual for MSME loans

- Assess the profile based on performance against predefined criteria, as well as an independent analysis of borrower's credit profile

- Credit appraisals of the loan proposals with the help of financial analysis of the customers, information and data gathered in Personal Discussions, market business references etc

- Portfolio reviews covering areas of delinquency reports, perusing Early Warning System (EWS) reports. Focus should be on portfolio intervention and resolutions strategies with the business unit in order to improve asset quality on continuous basis

- Capturing key data elements and analyzing them, interpreting the cross-period movements and understanding the macro mechanics of the system

- Analysis of financial statements and performance review of the same and checking the rating of the individuals given by CIBIL & matching the same with alternate (non-traditional) database

- Assessing credit worthiness of applicant by use of performance history and future forecasts along with liquidity, debt/asset management and profitability ratios

- Assessing needs of clients and accordingly charting out viable finance portfolio after considering financial, legal and technical aspects

- Responsible for the compliance to procedures laid down for processing, sanction, documentation and disbursement of various loan products at all the branches

- Ensuring there are no overdue or irregularities in all the asset accounts

- Post Graduate / MBA

- 15+ years- experience in SME credit/SME credit risk space with bank of repute / NBFCs

- Knowledge of regulations around SME finance