Kogta Financial - National Credit Manager - MSME & LAP

- Strong understanding and hands on expsoure of the MSE / Business Loan / Mortgage loan.

- Create a credit scoring model.

- Manage customer credit file.

- Monitor the credit granting and updating process.

- Decide and implement region specific innovative strategies to have geography specific assessment model.

- Be conversant with the role played by technology in evaluating credit and help the tech team to develop a Technology based Lending Platform based on various parameters required for the same.

- Ability to analyze Balance Sheet and Financial Statements and prepare the credit proposal in line with the credit scoring model.

- Managing and supporting the effective deployment of team of credit and operations professionals.

- Effectively engage with Sales teams to understand and contribute to overall processes & profitability across location.

- Maintain TAT's aligned with best practices in the industry.

- Managing team performance and motivation in a highly competitive market.

- An understanding from Sales personnel prospective will help in maintaining a quality portfolio

- Personally manage and monitor the major customer credit applications.

- Personally be in touch with the major customers to establish relations.

- Monitor periodic credit reviews.