Job Description

1. POSITIONDESCRIPTION

JOBTITLE

CreditManager-Semi Formal LAP

GRADE

SM

DEPARTMENT

Credit

SUB-DEPARTMENT

MSME

TYPEOF POSITION

Full-time

REPORTSTO

AreaCredit Manager LAP-MSME

REPORTINGINTO

CreditOfficer

ROLEPURPOSE OBJECTIVE

1. Expert knowledge of assessing credit risk for large ticket size cases upto Rs. 1 Cr.
2. Conduct income appraisal of MSME borrowers. In depth understanding and analysis of P L Account and Balance Sheet including cashflows of self-employed borrowers.
3. Assess financial ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
4. Provide Market intelligence from competition and customers standpoint
5. Recommendations on recent processes fraud Control initiative etc.

SIZEOF THE ROLE
- 10-15 vendors (legal, technical etc.)
- 1 product (secured)
- 25-30 files per month

KEYDUTIES RESPONSIBILITIES OF THE ROLE

Business/Financials (Only Relevant roles)

- Underwriting target customer by self and supervising the team to support for building of a performing portfolio.
- Evaluate various collateral types for their value and title documentation requirements
- Participate in collection of dues from customers to maintain low delinquency.
- Ensure Credit policy and process adherence by monitoring and timely review of processes and execution.
- Suggest Policy revisions in line with changing market conditions.

Customer(Both Internal External)





- Appraise various Customer segments in various for markets defined by the bank as area of operation for lending.
- Co-ordinate with Legal Technical Agencies for quality and timely delivery of credit reports.
- Meet appropriate customers for understanding of their needs and Conduct underwriting and renewals for cases under purview
- Co-ordinate with functions like operations, FCU, risk, business and technology for effective delivery to end customers.
- Ensure various reports are being sent to stakeholders on monthly basis at regular frequencies.

InternalProcess

- Time to time Intervention to manage ground level risk effectively.
- Full adherence to RBI regulations on documentation and KYC compliance.
- LUC and periodic loan monitoring framework
- Provide Audit Compliance.
- Timely hiring of Credit Officer for the location as per the budget

InnovationLearning

- Timely training to branches in the location.
- Maintain up to date knowledge of MSE and other related products.
- Upgrade self and team about changes happening in the market.
- Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives
- Perform on time appraisal and suggest suitable career paths for staff

MINIMUMREQUIREMENTS OF KNOWLEDGE SKILLS

Educational

Qualifications

- MBA in Finance from a reputed college (B.Com, M.Com with relevant experience)

Experience

- Preferred experience of 2/3 years or more in Credit

Location - Tiruppur,Salem,Krishnagiri,Coimbatore,Hyderabad,Peenya,Bengaluru,Hosur,Paramathi-Velur,Paramathi,Tumakuru,Tumkur,Mysuru,Madurai,Magadi,Erode,Udumalaipettai

📌 Credit Manager-Semi formal LAP (Krishnagiri)
🏢 Ujjivan Small Finance Bank
📍 Krishnagiri