TAB Capital - Senior Credit Manager - CA

Job Purpose

The Sr. credit manager position is accountable for the entire credit underwriting process for his area, including the consistent application of a credit policy, periodic credit reviews of existing customers, Early Warning and Delinquency Management and the assessment of the credit-worthiness of potential customers.

Qualification Minimum Qualification: C.A

- Relevant Experience 5 + years in Unsecured Business Loans

Functional Competencies:

- Good Knowledge of Mortgage Business. Good knowledge of Credit bureau check, property valuation, legal reports & documentation. Should have good computer skills specifically data entry knowledge in Microsoft Excel and MIS management.

- KYC Knowledge, Legal & Technical knowledge, Collateral understanding, Good knowledge of the related geography, documentation management

- Interpersonal relationship skills and team handling skills

Behavioral Competencies: Simplicity and Humility, Hard work and Detailed orientation,Integrity,Dynamic Growth, Industry awareness, Customer Focus,Suceed Together, Nurture Talent

Job Responsibilities :

Financial Responsibilities:

- Should be able to understand various business profiles of self employed & non-professionals.

- End to end complete customer assessment by visiting his business place, residence and security proposed with ownership attitude

- Understanding of inherent credit, collateral, operational and fraud risks

- Good knowledge of legal documents and associated risk

- Imparting regular training to sales team & credit team about product and policy and updating team about all relevant changes which can impact the customer repayment capacity and performance ability

- Organizing and performing task within defined TAT for file processing.

- Good knowledge about technical valuation aspect of properties

- Preparation of customer assessment Memo and cash flow analysis and bank statement analysis

- Managing and complying Over the counter / post disbursal documents and ensuring compliance of company's norms.

Non-Financial Responsibilities :

- Handling team of credit managers .

- Ensuring that all team members have knowledge about company's Policy and procedures for effective underwriting of proposal.

- Should be able to set culture of Risk vs. reward while underwriting the transaction.

- Regular travel and touch base at the allotted branches and ensuring compliance of policies and procedures.

- Maintaining Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.

- To be updated about local parameters such as legal /political/ industry demographics, To regularly update seniors about any local development which can be detrimental to franchise

- Adhering to the company's policies and ensuring compliance of the same.

- Supporting business team for seamless processing of the proposals.

- Positive approach with problem solving attitude

- Keep close watch on Turnaround time for self and the team and ensure speed with accuracy

Compliance & Risk Responsibilities :

- PDD and Audit query resolution

- Maintaining confidentiality of information gathered from clients.

- Maintain confidentiality of company's information - not to be shared with anybody out of office in any form (Verbal, written, mail or any other form)

- Safeguard of company assets provided for serving job responsibilities, like Identity Card, SIM, Marketing material, Computer Systems, Company provided Mobile and printer

- Review of Early warning and Non Starter cases