Regional Credit Manager (Coimbatore) Work Location: Coimbatore WHO WE ARE: CredRight Finance is a new age FinTech platform & NBFC, driven by an inspiring mission to empower Micro & Small Entrepreneurs [MSMEs] which do not have access to organized credit from financial institutions [like Banks and NBFCs]. With its Technology first approach, CredRight is providing customized loan offerings to MSMEs from Tier 2 to Tier 4 towns of India to achieve its Financial Inclusion mission Job Description: Looking for regional credit Manager who has prior experience in Business Loan Under Writing Pre & Post Sanctioning Process, Team Handling, Credit Appraisal Unsecured Loans Process. Roles and Responsibilities: - Manage a Team of 10-20 Credit & Operations Officers based out of the Hyderabad Office to ensure better productivity and quality. - Supporting the Team in credit rating evaluation and underwriting processes of new business loan products. - Mentor team for managing pre-sanction diligence and post-sanction monitoring of account - Train the team of Credit & Operations Officers, provide them guidance in day-to-day activities and monitor loan origination malpractices and frauds. - Recruit, train & build a high-performing field Underwriting Team for ensuring the adherence of credit policies and processes. - Verify the Business Loan underwriting process; loan appraisal, appraisal review, review of credit bureau reports and loan application along with KYC and other supporting documents submitted by Sales Managers. - Recommend or Approve MSE loan proposals as per the product/policy and as per delegated powers. - Provide suggestions on the MSE Business Loan appraisal system to make the process more efficient to minimize the risk and maximize the quality of the loan portfolio. - Keep Industry and market changes in mind while recommending and approving cases. Generate market intelligence on emerging risks including competition in our markets. - Assist Management to make loan portfolio quality analysis and share the findings with Regional and Area managers for taking required action to improve the quality. - To monitor nonstarters/Cheque bounce trends, the incumbent will also be required to interact with the customers in the portfolio on an ongoing basis for credit-related issues. - Coordinate with Collection Team on recovery of loan delinquencies and ensure 100% loan recovery. - Make regular Branch & Field visits and review the loan appraisals and sanctions made by the CPOs. - Preparing dashboards with efficiency and productivity ratio analysis. - To ensure Audit compliance and regulatory compliance for the location. Desired Candidate Profile: - The person should be a Graduate/MBA from a recognized institution with a minimum of 12+ years of experience in Credit Underwriting in Banks or NBFCs. - Strong knowledge of the Credit Underwriting process and policy for business loans. - Mandatory supervisory experience in Credit Management is a must. - The candidate should have handled a team of at least 5-10 members. - Should have handled Unsecured/Secured Business Loans of ticket s between 3-20 Lakhs. - Excellent oral and written communication, with proven skills in consulting with internal business clients and external customers - A versatile, dynamic candidate who demonstrates initiative, is results-oriented, and flexible - Strong leadership capabilities evidenced by the ability to gain the trust of, negotiate with, influence, and motivate a diverse group of stakeholders of varying levels - Ability to drive change and improve the end-to-end processes with a strong, proven track record in business process re-engineering and systems analysis - Should be able to speak and read Tamil & English. Knowledge of Hindi will be an added advantage.

Coimbatore

Tamil Nadu

CredRight - Regional Credit Manager 

CredRight - Regional Credit Manager  ,Job Description for CredRight - Regional Credit Manager  in CredRight in  Coimbatore Tamil Nadu for (12-15) years of experience. Apply Now!

Job Description for CredRight - Regional Credit Manager  in CredRight in  Coimbatore Tamil Nadu for (12-15) years of experience. Apply Now!