IDFC Bank - Credit Manager - SME Segment

Credit Manager - SME Segment - Mumbai

Job Description :

- Meet market constituent i.e customers, financiers and do an 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 :

- 3-5 years of experience in credit of MSME/Business Banking clients

- Sound understanding of cross industry dynamics

- Sound Analytical skills & great interpersonal skill