Job Description Job Responsibilities:
n Functional Requirements:
n n Responsible for assessing customers sourced by the Sales team in line with the credit policy, and determining deviations and exceptions.
n Handling credit underwriting of working capital / channel finance / term loans cases in the mapped region including visiting the customers.
n Ongoing monitoring of accounts, deferral tracking including tracking developments in the industry and the account to identify stress and work with the business teams / credit managers in devising appropriate mitigation strategies wherever needed.
n Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy.
n n Team Management:
n n Mentor and guide the credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.
n n Policy & Product Development:
n n Identify areas of improvement in the existing process of Credit underwriting,



Risk management & Operations & its implementation.
n Reviewing the Credit policies of other competitors to keep the Credit policy of the organization as per market standard, collecting the feedback on competitors' policies & portfolio.
n Formulation of Credit policy within regulatory parameters & risk appetite of the organization.
n Ensure implementation & adherence of Credit policy through training of Sales, Credit & Operations team.
n Taking constant feedback from the team to explicit any bottlenecks, solving issues & ensuring least attrition in the location.
n n Portfolio Management:
n n Reviewing the portfolio monthly including analysis on the delinquent cases and suggest changes in current Credit policy.
n Managing the changes in Credit policy as per market requirement to maintain healthy portfolio quality.
n CA, CFA or MBA from Tier 1⁄2 institute. Prior work experience of upto 10 years in Credit Underwriting preferable in SME and Wholesale Credit.
n

📌 AVP/DVP - Wholesale Underwritng (Sabarmati River)
🏢 Ratnaafin Capital
📍 Sabarmati River