Area Credit Manager-MSE
Ujjivan Small Finance Bank · Kolkata · onsite · Posted 56d ago
Undisclosed5–10 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
Job Title
Department
Location
Sub-Department
Type of Position
Reports To
Reporting Into
Role Purpose Objective
Size of the Role
Financial Size
Non-Financial Size
Key Duties Responsibilities of the Role
Business/Financials (Only Relevant roles)
Skills
Location - Kolkata,Saguna,Patna,Nagar,Kamrup,Tamluk,Purba Champaran,Midnapore
AreaCredit Manager-Formal LAP
Department
Credit
Location
RO
Sub-Department
Credit-MSME
Type of Position
Permanent
Reports To
RegionalCredit Manager
Reporting Into
Credit Managers - MSME
Role Purpose Objective
- Implementrobust credit underwriting policies and processes for largeticket size MSME loans (up to 10 Cr) in the region and ensurethat the processes/policies are effectively managed on the field.
- Conductincome appraisal of MSME borrowers. In depth understanding andanalysis of P L Account and Balance Sheet including cashflows of self-employed borrowers.
- Ratioanalysis of financials and loans for short and long term lendingto self-employed customers.
- Responsiblefor underwriting and building good quality secured portfolio.
- Engagewith Risk committee to monitor credit risk and ensure Risk ismanaged proactively, involve in IDM (Inter Departmental Meeting),Risk Committee meetings, Audit closure meeting
- Workclosely with Business and Collections team to manage collectionsin different buckets at the field
- Managecost and productivity of team and vendors.
Size of the Role
Financial Size
- Portfoliosize of Cr
Non-Financial Size
- 20-25vendors (legal, technical etc.)
- 1product (secured)
- 70-80files per month
Key Duties Responsibilities of the Role
Business/Financials (Only Relevant roles)
- Underwritingtarget customer of affluent segment with detailed review
- Evaluateand assess collateral security adequate for the lending.
- ImplementCredit policies and processes for MSME Loans in the field
- Implementnew policies, amendments and technology changes through propercommunication / training
- Participatein collection of dues from customers to maintain lowdelinquency/Bounce Rate
- Reviewand suggest policy and process changes based on the fieldunderstanding / feedback from the field team
- Monitorand ensure Credit related Regulatory and Legal compliances arefollowed thoroughly by the key role holders in field
- Ensurethat area surveys, cross checks, negative area reviews are donetimely along with Audit and Vigilance team
- Ensurethe portfolio quality in excellent category through induction ofgood quality customers in MSME at the field level
- Effectivelymonitor external risk by keeping a tab on field issues andcustomer dynamics
- Identify,highlight and address emerging risks proactively along with therisk and compliance departments
- Executestrict actions taken as per the Penalty Matrix for the fielddeviations.
- ConductPeriodic review of Portfolio Quality and Collection to takenecessary actions.
- Conductperiodic reviews with Credit Managers for driving desirablecredit performance
- Prepareand monitor action plans for Poor and High Risk branches in MSME
- Beupdated about the competition in the field and update themanagement on regular basis
- Monitorcredit staff expenses across and ensure the same within thebudget
Skills
- Underwriting
- Income appraisal
- PL analysis
- Balance Sheet analysis
- Cash flow analysis
- Ratio analysis
- Credit risk management
- MSME lending
- Collections
Location - Kolkata,Saguna,Patna,Nagar,Kamrup,Tamluk,Purba Champaran,Midnapore
Sourced from naukri
Skills
Credit Risk ManagementRatio AnalysisvigilanceLendingportfolio qualityLoansCash Flow AnalysisBalance Sheet AnalysisLapCASH FLOWCredit Underwritingcredit riskunderwritingRisk ManagementLegalcomplianceBalance Sheet
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank
Banking
24.4k+
employees
2017
9 years old
Bangalore/Bengaluru, Karnataka
India
About
Empowers financial inclusion across India, serving over 90 lakh customers with over ₹6,400 crore profit and a strong focus on inclusive, tech-led banking.
Industries
BankingFinancial Services
Employee ratings
7,630 reviews
4.0/ 5
Culture
4.0
Career growth
3.5
Work-life
3.9
Employees rate it well for
Work Culture689Salary511Work Life Balance407Work Environment388Senior Management339
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