Credit Manager

Credit Underwriting & Assessment

• Conduct detailed credit appraisals for SME/MSME and unsecured loan proposals.
• Analyse financial statements, cash flows, bureau reports, banking behaviors, and risk factors.
• Prepare clear credit appraisal memos with risk insights and sanction recommendations.
• Timely disposal of cases assigned for underwriting.

Portfolio & Risk Management

• Monitor portfolio health, identify early warning signals, and recommend corrective actions.
• Control delinquency and ensure risk exposures stay within defined limits.
• Track performance trends and support measures to reduce NPAs or deteriorate assets.

Policy, Compliance & Governance

• Ensure strict adherence to internal credit policies, IFSCA guidelines, and regulatory norms.
• Suggest enhancements to underwriting frameworks and credit processes based on market conditions and risk experience.
• Preparation of New product framework which can be launched to meet client requirements under regulatory guidelines.

Cross-Functional Collaboration

• Work with sales and business teams to balance risk and growth objectives.
• Coordinate with operations, legal, valuation partners, and auditors to support seamless credit processing.
• Ensure documentation meets internal standards and regulatory requirement.

Field & Due Diligence

• Undertake field visits and borrower interactions to validate business information and understand local market dynamics.
• Conduct proper due diligence as part of credit evaluation and risk validation.

Reporting & Documentation

• Maintain accurate credit records and prepare periodic MIS for leadership.
• Ensure documentation meets internal standards and regulatory requirements.