National Credit Manager

Description:

Key Responsibilities:

Credit Underwriting & Approval:

- Oversee end-to-end credit appraisal and sanctioning of SME proposals including CC/OD, Term Loans, and Working Capital limits.

- Evaluate financial statements, CMA data, bank statements, GST returns, cash flows, and projections.

- Assess borrower risk through industry analysis, promoter background, business model evaluation, and collateral/security assessment.

- Approve cases within delegated authority and recommend higher exposures to senior committees.

Policy & Process Management:

- Design, implement, and update SME credit policies, SOPs, and underwriting frameworks.

- Ensure alignment with RBI guidelines, internal risk appetite, and audit requirements.

- Drive standardization of credit processes across locations to support scalable growth.

Portfolio & Risk Management:

- Monitor portfolio performance, delinquency trends, early warning signals (EWS), and stress accounts.

- Work closely with collections, legal, and recovery teams to control NPAs and credit costs.

- Periodically review exposure norms, sector caps, and concentration risks.

Business & Stakeholder Collaboration:

- Partner with sales/business teams to enable responsible credit growth without compromising risk standards.

- Provide guidance on deal structuring, pricing, and mitigation strategies.

- Support product innovation for SME lending in coordination with product and risk teams.

Team Leadership:

- Lead and mentor a pan-India credit team, including regional and zonal credit managers.

- Build a strong performance-driven culture with training on SME underwriting, compliance, and risk management.

- Conduct periodic credit audits and quality reviews.

Key Products Handled:

- SME Cash Credit (CC)

- Overdraft (OD)

- Working Capital Limits

- Term Loans (Secured/Unsecured)

- LAP / Collateral-backed facilities (as applicable)

Key Skills & Competencies:

- Strong expertise in SME credit underwriting and working capital assessment

- In-depth knowledge of banking/NBFC lending norms and RBI regulations

- Financial analysis, CMA preparation, and cash flow modeling

- Risk assessment, portfolio monitoring, and stress management

- Leadership, stakeholder management, and decision-making skills

Educational Qualification:

- CA / MBA (Finance) / CFA / ICWA or equivalent professional qualification