Credit Manager - Business Loan/Personal Loan/Auto Loan Finance

Job Responsibilities

As part of Credit team for Business Loan/Personal Loan/Auto Loan 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 Business Loan/Personal Loan/Auto Loan 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 Indian economy, industry and segments, understanding of functioning various industries / segments - cost matrix, competitors, laws applicable

- good understanding of financials to arrive at a decision on lending and recoverability of loans granted.

Skills & Experience:

- Ability to analyse 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, segment in which we operate. Generally strong analytical and futuristic intuitive skills are the need of the job