Credit Manager - Agri SME/Mid Finance

Job Profile: Credit Manager-Agri SME

Job Responsibilities

As part of Credit team for Agri SME/Mid Finance, the primary job of the credit manager is to understand:

- The business dynamics,

- Products on offer,

- Various segments to whom we lend

- Ensuring discipline in adherence to processes involved in credit buying

- Underwriting & making proposals of SME loans and other products as per location requirement manage the credit processing agent's activities

- Ensure systematic verification processes and coordinate with verification agencies

- Be up to date on industries we lend and business environment in general,

- Take appropriate credit decision,

- Monitor the portfolio sourced,

- Understand and interpret the portfolio quality

- Interact with sourcing agents

- Co-ordinate with internal and external auditors

Qualification - CA/MBA Finance with relevant underwriting experience-

Job Knowledge -

- Good understanding of economy and implications of economic policies, dynamics of international economic events on the Indian economy, industry, and segments, understanding of functioning various industries/segments - cost matrix, competitors, laws applicable o good understanding of financials to arrive at a decision on lending and recoverability of loans granted.

- Skills & Experience - Ability to analyze news, information, change in laws, financial data and assess its future impact on the business of the loan applicant, segment/industry in which the applicant function, a segment in which we operate. Generally strong analytical and futuristic intuitive skills are the need of the job