As the Manager you will play a crucial role in managing and overseeing the credit operations and processes of the organization. You will be responsible for assessing the creditworthiness of individuals and businesses, evaluating loan applications, managing credit risk, and ensuring compliance with relevant regulations and internal policies. You will work closely with other Credit Manager and other cross-functional teams to optimize credit operations and contribute to the overall growth and success of the company. Some high level things you would own but not limited to:
• You will evaluate creditworthiness of loan applicants through analysis of financial statements, credit scores, payment history, and other relevant factors.
• You will make informed decisions on loan applications based on the company's credit policies and risk tolerance.
• You will conduct thorough credit risk analysis to identify potential risks and develop risk mitigation strategies - Credit Assessment and Decision Making
• You will oversee the end-to-end credit operations process, including loan application processing, documentation, and disbursement.
• You will collaborate with internal teams such as Sales, Underwriting, and Collections to ensure smooth and productive credit operations.
• You will develop and implement credit policies, procedures, and guidelines to enhance efficiency and maintain compliance - Credit Operations Management.
• You will monitor and manage the credit portfolio to identify early warning signs, trends, and potential areas of concern.
• You will perform periodic portfolio analysis to assess the performance of loans, identify patterns, and make recommendations for portfolio optimization.
• You will utilize data and analytics to generate insights and develop strategies for minimizing credit risk and improving portfolio quality - Portfolio Monitoring and Analysis.
• You will stay updated on relevant regulations, guidelines, and ind