Senior Credit Manager - Business Loans

- Appraise business loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority

- Understanding and interpretation of financial statement, banking statement and GST returns

- Analysis and interpretation of bureau reports to determine repayment track record

- Preparing CAM of customer for decision making and data maintenance

- Ensuring TAT, decision of cases within acceptable levels

- Monitoring portfolio building, type of cases being onboarded

- Liaison with various teams like external credit team, sales, collection to constantly improve the credit process

- Personal discussion with customers to understand their business, profile and loan requirement

- Checking customer physical verification reports

- Ensuring timely updation of credit decision MIS, Internal dedupes

- Ensure approval tracker is given to business

- Maintain proper records to track the deviations taken if any

- Maintaining rejection summary and relook cases basis merit, Clear all exception in cases

- Training & knowledge upgradation of team periodically

- Tracking the case from inception till disbursements and post disbursement monitoring

- Provide recommendation to management for review of the credit policy

- Review performance of the outsourced activities such as CPV, Legal

- Working closely with the business heads and other stakeholders to formulate and execute the product roadmap.

People management

- Relationship and people management with both internal and external teams.

- Leading, directing and developing talent to build domain and functional expertise

Required skill sets :

- Relevant experience in some or all facets of consumer finance businesses (Business Loans, Retail financing, Personal Loans etc.

- Strong people management skills

- Strong analytics and technology orientation.

- Relevant, demonstrated leadership experience in managing a high performance team with a sound understanding of key business drivers

- Strong communication and negotiation skills with the ability to influence outcomes.

- Strong inter-personal skills and leadership ability, which encourages and promotes enthusiasm and team spirit

- Master of multiple tasking.

- Some one who take initiatives and challenge