Job Description:

Business Vertical: SME Finance Department: CEQ – SME Finance Hiring Grade- M3/M4

Line of Business: Infrastructure
finance

Proposed Reporting Manager:
RCM-South

Position Title- Area Credit
manager – CEQ

- Support and co-partner with business teams to manage end to end credit approval for the designated
region
- Underwrite cases and present to senior level.
- In detail Analysis of financial statements, Bank statements, on-going works & assessing the borrowers
serviceability of Term loans/working capital limits as the case may be,
- Meeting NTB & Existing customers to understand the market dynamics,
- Monitoring the deferrals, PDD, Early Delinquency accounts, Asset verifications,
- Completion of Annual review of accounts as per time lines,
- Authorize deviations raised and documented by underwriters in compliance with credit policy.
- Approve all disbursement requests on the basis of achieved adherence to requirements on agreement
value, full documentation attainment at the branch level.
- Monitor and oversee PDD management and ensure timely completion of personal discussion
documents through customer visits in high value cases.
- Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure




timely query resolution/ report submission and eliminate any undue/ non-process related delays.
- Co-ordinate with the recoveries team and generate business insights.
- To ensure portfolio quality and delinquencies.
- Engage in development, implementation, review and monitoring of various credit programs and
providing training and coaching to continuously upgrade the competency of the team and improving
upon processing efficiency of the HUB
- Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and
sanctioning of loan.
Specialized job competencies:
- Robust credit risk assessment & underwriting skills for Construction Equipment customers, financial
analysis, analytical skills, excellent written and verbal communication skills
- IT Skills (MS Word, MS Power Point, MS Excel and Tableau)
- Analytical skills with an ability to identify the hotspots in the portfolio.
- Upstanding of RBI regulations and compliance requirement on NBFCs especially for Asset Finance
business.
Educational Qualification: MBA/PGDBA/PGPM/ CA or Equivalent

Desired Experience: Minimum work experience of 5-8 years in Risk/Credit vertical in Bank or NBFC in
Construction Equipment Credit Underwriting.

Location / s: Coimbatore/Chennai

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