ROLEPURPOSE OBJECTIVE
- Implementrobust credit underwriting policies and processes for largeticket size MSME loans (up to 10 Cr) in the region and ensurethat the processes/policies are effectively managed on the field.
- Conductincome appraisal of MSME borrowers. In depth understanding andanalysis of P L Account and Balance Sheet including cashflows of self-employed borrowers.
- Ratioanalysis of financials and loans for short and long term lendingto self-employed customers.
- Responsiblefor underwriting and building valuable quality secured portfolio.
- Engagewith Risk committee to monitor credit risk and ensure Risk ismanaged proactively, involve in IDM (Inter Departmental Meeting),Risk Committee meetings, Audit closure meeting
- Workclosely with Business and Collections team to manage collectionsin different buckets at the field
- Managecost and productivity of team and vendors.
SIZE OF THE ROLE
FINANCIALSIZE
NON-FINANCIALSIZE
- Portfoliosize of Rs. 1000 Cr
- 20-25vendors (legal, technical etc.)
- 1product (secured)
- 70-80files per month
KEYDUTIES RESPONSIBILITIES OF THE ROLE Business/Financials (Only Relevant roles)
- Underwritingtarget customer of affluent segment with detailed review
- Evaluateand assess collateral security adequate for the lending.
- ImplementCredit policies and processes for MSME Loans in the field
- Implementnew policies, amendments and technology changes through propercommunication / training
- Participatein collection of dues from customers to maintain lowdelinquency/Bounce Rate
- Reviewand suggest policy and process changes based on the fieldunderstanding / feedback from the field team
- Monitorand ensure Credit related Regulatory and Legal compliances arefollowed thoroughly by the key role holders in field
- Ensurethat
📌 Area Credit Manager-MSE (Kolkata)
🏢 Ujjivan Small Finance Bank
📍 Kolkata
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