Credit Manager

Job Description:

- Looking for Credit Manager (MSME & Large ticket) with one of the NBFC client based out of Kolkata.

- Responsible for tracking and highlighting all process, actionable & compliance deliverables for the department as mandated by the CRO.

- Preparing & managing quarterly risk report presentation for the Risk Committee of the Board

- Managing, Formulating & Oversight of ALCO, ICAAP & ECL models & Policies of the Company.

- Risk underwriting of terms loans / BC lending products to Microfinance entities which includes assessing the key ratios, cash flows & projections and finally risk monitoring of the sector & entities.

- Liaising with key stakeholders/ management and risk owners across the organization and providing them appropriate information and inputs to decision making & contribute to Risk culture of the organization.

- Active engagement in forming, shaping & managing risk data analytics and automation, including leading development of Acquisition & Behavioral scorecards for appropriate delinquency & predictive modeling.

- Play an active contributory role in the Risk department for ensuring management of key areas of market, operational, credit and liquidity risks by continuously analyzing & developing New & enhanced models/templates/structures for optimizing Risk mandates of the organization.

- Managing Credit Risk models all the way to the branch levels.

- Interact with field leadership to assess and understand emerging risk and effectiveness of risk mitigation steps undertaken. I would also involve monthly travel for a few days for actual on-field insights.

- Periodically participate in Zonal and Regional forums to create awareness across the field forces on Portfolio Quality agenda & empower them with intel, key insights & techniques to manage credit risk at its inception, thereby influencing the Risk Culture in the organization.