Job Description

Job TitleCredit Officer/ Credit Executive/ Credit Manager - SGFunction / DepartmentSolidarity Group Department HeadNational Credit ManagerReporting ManagerCredit Hub Manager-SG
Purpose of the Job:

The Group Loan Credit Manager will be responsible for independent credit evaluation and decision-making for group loan proposals. The role involves conducting Video Personal Discussions (VPD), assessing borrower eligibility and credit risk, approving or rejecting loan proposals, and initiating disbursements in strict adherence to the organizations credit policy, processes, and regulatory guidelines. The role supports multiple branches and ensures portfolio quality across the assigned geography.

Describe the KPIs against each perspective

PerspectiveKey Performance IndicatorsBusiness & Financial Management-To have basic understanding of KYCs, regulatory reforms related to GST, Income Tax, and others
-To appraise or underwrite MF loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority
-To conduct personal discussion with customer / client with intent to understand and analyze associated risks in the business and financial standing of the client.
-To assess the income, ability, intention, business sustainability & credit behavior and verify it through video PD, income documents & reference checks and various credit bureau checks.
-To manage the entire credit assessment process right from the origin till activation.Customer Focus
- Managing the overall decisioning TAT to have an excellent customer experience.
-To ensure complete adherence to laid down policy and procedure / process
-Liaise with other functions to proactively assess and resolve issues faced by client.
-Structure the right product to the customer during customer interactionsProcess / Quality Improvement- Manage credit quality and control delinquencies, frauds
Understand credit policy as well as credit environment in the state/branch
- Structure the right product to the customer during customer interactions
- TAT on closure of cases
- Process discipline demonstrated by satisfactory audit reviews
- To prepare and maintain MIS covering all aspects of the credit process and proposal and circulate to authorities on timely basis.
Decision making authority

Describe the authority permitted to take decisions, and those you are expected to recommend

AreaDecisions takenDecisions recommendedResolution TATNANAProcess ChangesNANACommunicationNANA
Self deliverables

The most important tasks performed on an individual basis without involving subordinates are:





Sr. NoTask performed1Ensure AP Ref no.if generated as soon as a file is logged in2Check Bureau of every file after login.3Ensure Video PD and/or TVR is done after Bureau generation4Initiating PD of Cases getting eligible under Policy.5Maintaining TAT with respect to initiating PD and getting additional documents required.6Relook at cases which have been rejected basis merit7Credit approval of deals as per authorized limits, recommends and forwards to appropriate authority incase of higher limit, deviation, deferral.8Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact9Review templates on valuations periodically, set-up grids for valuations, based on market conditions.10Periodically do a trend analysis for early warning indicators on location risks and others with the mitigants used to resolve.11Co-ordinate with FCU for setting up specific triggers12Ensure approval tracker is given to Business13Credit approval of deals as per authorized limits, recommends and forwards to appropriate authority incase of higher limit, deviation, deferral.14Clear the various exception raised.15Review portfolio every month with respect to delinquency / losses / fraud for the period underwritten with respect to the following

- Bucketwise delinquency being within the triggers
- NCL within the budgeted figure
- Non Starter at minimum level
- Negligible skip / fraud cases

16Ensure documentation is in place before initiating disbursement, with reviews done periodically on the documentation.17Ensure the completed document is moved into the Operations Queue for disbursement18Reviews credit admin activities to ensure the activities are completed within stipulated time frame.19Constantly monitor portfolio adherence to triggers to identify underlying issues with plausible solutions.20- Early warning indicator tracking for the location, key risks, segments, asset levels and mitigants addressed and for EW for customers. 21- Industry trends, key factors impacting industry and specifics related to the market, performance of trades in market and indicators both local and regulatory and its impact.




- Monitoring portfolio adherence to triggers and surface underlying issues with possible solutions.
- Responsible for ensuring documentation and process adherence. 22- Interaction with FCU for setting up specific triggers and coordination.
- Interaction with central OPS team for timely disbursement. 23- Enforcement and adherence of the company credit process and policy at the region and the branch.
- Approval of high ticket loans as per policy, if any
- Approval of deviations as per policy, if any
- Approval and tracking of restructure/rewrites, if any
- Review of portfolio with respect to delinquency/losses/fraud of the portfolio with branch credit officer. 24- Interacting with regional and branch collection officers.
- Should conduct training for Brach Staff whenever there are credit policy changes & updation.

Other factors relevant to the job

Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. NoOther relevant factors (Required Skills)1- Valuable analytical & logical abilities
- Good communication (English and local language)
- Good interpersonal skills2- Ability of manage medium/large teams
- Ability to build good relationship with customers3- Ability to comprehend risk inherent to customer business
- Flair for numbers and an ability to understand processes, read balance sheets and understand customer business models
- Systematic & Meticulous and Ability to perform under pressure
- Good analytical & logical abilities and Good communication
- High resilience, energy & initiative
- Well networked in locality with respect to customers / financiers
- Ability to work in teams internally and also build good relationships with customers
- Demonstrate core company values, including high integrity and ethics
- Result/ achievement orientation

Expertise required/ Domain Knowledge:

- Ability to comprehend risk inherent to customer business
- Flair for numbers and an ability to understand processes, read financial/bank statements and understand customer business models
- Good people management skills
- Systematic & Meticulous and Ability to perform under pressure
- High resilience, energy & initiative
- Result and achievement orientation
- Demonstrate core company values, including high integrity and ethics

No. of years of relevant experience:
Minimum 2 yrs in financial services, banking, credit rating industry with lending, credit approvals, delinquency, analysis, collections, processing, signing bank deals, memorandums

Any specific specialization/education: Graduate

📌 Credit Executive - Hub, Group Loans (Telangana)
🏢 SMFG INDIA CREDIT
📍 Telangana