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IDFC Bank - Credit Manager - SME Segment (4-10 yrs)
Job Description :
- Meet market constituent ie customers, financiers and do evaluation of the market and customers fairly and diligently in line with the approved credit policy.
- Perform credit and reference checks.
- Meet customers prior to credit approval. Mandatory credit visits would be defined based on exposure / industry which shall be adhered to prior to customer approval .
- Credit Approval of deals as per authorized limits and given TAT; recommends and forwards to appropriate authority in case of higher limit / deviation/deferral.
- Enforcement and adherence of the company credit policy at the branch level.
- Review and approval of credit files as per policy
- Regional risk reviews once in a quarter
- Review portfolio on a monthly level with respect to delinquency/losses/fraud of the portfolio underwritten for the following :
Bucket wise delinquency is under triggers
NCL within budgeted figures
Customers TOD level within acceptable norms
Non-starter at minimum level
- Ensures timely renewal of Credit approvals ensuring satisfactory turn around time.
- Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies.
- Adheres to customer calling plan as per EW process
- Meets principals, other financiers regularly for market updates
An Ideal Candidate should possess:
- 4-10 years of experience in credit of MSME/Business Banking clients
- Sound understanding of cross industry dynamics
- Sound Analytical skills & great interpersonal skills
This job opening was posted long time back. It may not be active. Nor was it removed by the recruiter. Please use your discretion.
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