Credit Head - Agriculture Funding - BFSI

Credit Appraisals - 35%

- Developing Credit & Underwriting Guidelines of the company.

- Responsible for recommending cases after risk analysis and checking underwriting guidelines as per policy.

- Responsible for monitoring the Risk in the portfolio and taking measures to minimize those risks.

- Has overall responsibility of maintaining a healthy portfolio as desired by the Management.

- Responsibilities on Strategy Development would include Approve/ Decline, Limit Assignment, Risk Based Pricing, Line Management, Authorizations, Re-pricing & Re-issue, among others.

- Ensure legally enforceable documentation, as per credit stipulations & legal guidelines, project process, credit covenants.

- Responsible for finding out the Credit Worthiness of Customer Segments and Collaterals.

- Responsible for establishing a mechanism for reporting of excess/exceptions to approve limits.

- Continuous Inputs on Re-engineering of credit policies to Senior Management to make the process robust and more efficient.

- Identify weak cases and classify them into NPA & provisioning on such accounts.

- Meeting customers, analyzing its financials and banking.

- Performing deduces checks, initiating FI, Valuation and Legal of the collateral and conducting LIP.

- Presenting to the committee cases for approval, highlighting concerns and its mitigant.

- Rolling out Minutes of the approved case.

- Issuing sanction letter as per approved minutes.

Team Management & People Management - 25% :

Star Agri Finance - Job Description :

- Responsible for On-boarding & Training's Team on Financial Assessment.

- Create KPI's for performance and measurement purposes.

- Responsible for retaining team.

- Conduct periodic internal reviews to ensure that compliance procedures are followed across locations.

- Work closely with the compliance & training team and liaison with the business heads to adhere all related requirements

- Coordinate with Vendors & other departments to close gaps.

- Facilitate Audits for Credit team as and when required.

Governance & Compliance - 15% :

- Implement processes and policy.

- Responsible for doing reviews within department.

- Ensure that the recommended process of appointment, management and review of Vendors is being followed.

Processing proposals within TAT - 15% :

- Ensuring a robust TAT for the proposal from the perspective of Credit/Underwriting.

Maintaining MIS - 10% :

- Maintaining master MIS showing all the cases logged in and daily movement of the case till it get approved.

Years Of Experience : 10 plus years of experience in similar role.

Qualification : CA/ICWA