Credit Manager

Role - Credit Manager Hindsighting

Broad Responsibilities as below:

1. Visit the Business Correspondents Branches along with the attached Centers and Customers based on the allocations done and plan the visits well in advance
2. Check for adherence to the laid down Policies, Processes and Documentation
3. Check for actual end use of loan funds by the customer on sampling basis. Also find any other issues the customer is facing pertaining to loan servicing during customer visits.
4. Find out issues / lapses and highlight them along with possible solutions. Track subsequently if the issues have
5. Conduct training at the Branches to educate the staff regarding the latest developments, prevent further lapses / issues
6. Maintain record of the visits and meetings in the Applications provided
7. Timely submission of reports to the Central Team
8. Complete the additional activities as may be given from time to time including Credit Underwriting of Microfinance Loans

Qualification, skills and expectations from the role:

1. Graduate or Post Graduate preferably in Commerce / Finance
2. Minimum 2 years of work experience (after completion of Graduation) for Deputy Manager Grade and minimum 4 years of work experience (after completion of Graduation) for Manager Grade.
3. Audit / Fraud Detection experience desirable. Microfinance / Credit Underwriting experience would be an added advantage.
4. Decent spoken and written English communication skills and MS Office skills (especially Excel, Outlook and Word). Knowledge of local languages also desired.
5. Should be willing to travel extensively especially to Rural areas using Public Transport and should be willing to start the working day early during visits (around 6:30 A.M.)
6. Should be an innovative thinker and a proactive doer. Should be able to find issues, highlight them and suggest workable solutions. Should follow Policies and Processes.

Location: Vikhroli, Mumbai

Note : This Job Involves 50% travel across the West Region, including Gujarat, ROM, Rajasthan, and other locations.This position will require extensive field travel, including visits to Business Correspondent branches in rural areas, often using public transport and should be willing to start the working day early during visits (around 6:30 A.M.)