Piramal - Credit Manager

EXPERIENCE:

- 4 to 5 years of experience in credit underwriting for used car loans

- Knowledge of local market, property markets and trends in retail lending

- Understanding of local business and micro economy

- Ability to work under tight deadlines and to prioritize conflicting and changing priorities

- Keen understanding and focus on risk, controls, compliance and regulatory framework

- Ability to liaise with internal stakeholders and regional teams

- Strong customer focus and management of stakeholder expectations

- Strong analytical & communication skills (written & verbal)

Key Responsibilities:

- Assessment of borrowers profiles, repayment capacity and income stability

- Understand and interpret results of financial analysis, banking analysis and bureau reports

- Analysis of all customer related information in line with credit & risk policy to check eligibility

- Meeting and personal discussion (PD) with customers to understand their business, profile and loan requiremen

- Visiting business premise, property and residence of customer at the time of PD

- Understanding of actual business income & expenses (other than reported income) of customer

- Ability to understand customer business and requirement from their perspective

- Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD

- Study, analysis and interpretation of legal & technical reports of property

- Study, analysis and interpretation of other internal check reports

- Underwriting and sanction of Home loan/loan against property files sourced by sales team

- Revert on post sanction conditions prior to disbursement based on queries raised by the team

- Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix

- Co-ordinate and communicate with different departments

- Maintaining TAT as per guidelines and taking case to decision point

- Minimal rework/errors as part of underwriting quality

- Adherence to the policy/ process laid out by the Central team on all loan applications being processed

- Close monitoring on non-starters/first EMI bounce trends

- Audit compliance on all aspects stipulated by Head Office and regulatory compliance

- Maintaining and reporting of various MIS to monitor portfolio performance and risk

- Continuously improvise underwriting capability based on portfolio performance

Chartered Accountant or MBA

Contact - Janice Dsouza

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