Area Credit Manager - Unsecured Loans - NBFC

JOB DESCRIPTION

Position Title: Area Credit Manager

Reports to: Regional Credit Manager

Location: Chandigarh

Responsibilities

General Accountability:

1) Managing a team of Credit Executives (structure will depends on the location and geographical spread).

2) Conduct personal discussion with customers to establish Credit worthiness.

3) Pre and post sanction credit risk compliance.

4) Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio.

5) Control on portfolio performance.

6) Underwrite specific retail loan proposals and prepare Credit Appraisal Memo (CAM).

7) Coordinate with sales to achieve targets and ensure TAT or SLAs are met

Desired Profile :

Qualifications - Graduate with 4-5 years of work experience/ Post Graduate/Chartered Accountant

Experience - Minimum 5 Years of experience in Credit

- Experience in NBFC / Banking

- Knowledge of MS office

- Should have experience in underwriting Mortgage or Loan Against Property or SME segment of customers

Skill & Competencies :

- Good communication skills High on integrity

- Outgoing & Self motivated

- Ability to deal/manage data at all levels.

- Strong inter-personal skills