Ca Intern

Yes bank is Hiring CA

Job Description: Credit Manager Micro Enterprises Banking (Credit Risk Management)

Role OverviewThe Credit Risk Manager for Micro Enterprises will be responsible for evaluating, underwriting, and managing the credit risk of micro-enterprise borrowers (typically small businesses, retail traders, and micro-manufacturers with lower annual turnovers). The role involves assessing creditworthiness through unconventional data, cash-flow analysis, and field investigations to ensure healthy portfolio growth while minimizing non-performing assets (NPAs).

Key Responsibilities

• Credit Underwriting & Appraisal: Evaluate loan proposals for micro-enterprises by analyzing banking habits, cash flows, business thin-margins, and local market reputations.
• Risk Assessment: Conduct qualitative and quantitative risk analysis, ensuring compliance with internal credit policies, RBI guidelines, and Priority Sector Lending (PSL) norms.
• Field Visits & Investigations: Perform mandatory physical visits to business premises and residential locations to verify stock levels, business viability, and customer background.
• Financial & Non-Financial Analysis: Analyze available informal financial data, proxy indicators (like electricity bills or rent receipts), and bureau reports (CIBIL/CMR) to establish repayment capacity.
• Portfolio Monitoring: Track early warning signals, manage overdue accounts, and initiate timely corrective actions to control delinquency and minimize credit losses.
• Process Efficiency: Ensure quick Turnaround Time (TAT) for loan approvals without compromising on credit quality and underwriting standards.

Eligibility Criteria

• Educational Qualification: Chartered Accountant (CA), MBA in Finance, or a Post Graduate degree in Banking/Finance.
• Experience Profile: 2 to 5 years of experience in credit underwriting for Micro-MSME, small business loans, or retail lending within a Bank, NBFC, or Microfinance institution