Manager Credit - Digital - SME Finance - Credit - Mumbai - Goregaon E - JM

Job Description

1 DigitalCredit Assessment:

• Utilize digital tools and technologies to assess creditworthiness of SME clients.
• Implement data-driven credit scoring models for automated decision-making.

2 Credit Policy Adherence:

• Ensure strict adherence to credit policies and procedures.
• Evaluate credit applications against established criteria.

3 Efficient Credit Processing:

• Streamline the credit approval process using digital solutions.
• Minimize manual intervention and enhance efficiency.

4 Data Analysis:

• Analyze financial data, credit reports, and other relevant information.
• Identify key factors influencing credit decisions.

5 Risk Evaluation:

• Assess credit risks associated with SME clients.
• Determine appropriate credit limits and terms.
• Communicate with SME clients to gather additional information and clarify details.
• Provide feedback on credit decisions to clients when necessary.

6 Documentation and Records:

• Maintain comprehensive records of credit assessments and decisions.
• Ensure documentation is complete and accurate.

7 Compliance and Regulations:

• Ensure compliance with regulatory requirements in digital credit assessments.
• Stay updated on relevant regulations and implement necessary changes.

8 Credit Monitoring:

• Implement digital tools for ongoing credit monitoring and portfolio management.
• Identify early warning signals of credit issues.

9 Team Collaboration:

• Collaborate with cross-functional teams, including technology and data analytics teams.
• Ensure seamless integration of digital credit assessment solutions.

Qualifications -

Minimum Degree: Post Graduate/Graduate in any discipline.