Job DescriptionJob Responsibilities:
nFunctional 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

nTeam 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

nPolicy & 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

nPortfolio 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. Prio

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