Designation: Manager

Location: India Madhya Pradesh Benchmark Park, Indore

Organization: Financial Services

Job Description:

Key Result Areas

Supporting Actions

- Credit Underwriting Management

- Undertake analysis of the credit proposal based on pre- determined criteria and analyze market information, current macroeconomic scenario, current portfolio concentration, etc.
- Make decision proposals within delegated authority
- Evaluate recent credit proposals / review existing credit exposures with a view to bring out the industry, business, financial, management and facility structure risk.
- Highlight the other credit risks and mitigation actions to take decision / facilitate the approving authority to take decision on the credit proposal.
- Identify risks and suggest measures to mitigate risks to ensure workability of the loan proposals
- Ensure prompt resolution/ explanation of queries raised by sanctioning authorities
- Recommend delegation authority to RCMs/ACMs/CMs to ensure faster TAT for parameterized proposals.
- Work closely with the collection and legal to take action against defaulting parties

- Portfolio Management

- To monitor the STSL business portfolio performance by continuous analysis of fundamentals, review of the ratings, analysis of the covenant and evaluation of the industry performance in that sector
- Review the covenant of loan proposals at frequent intervals and undertake action for serious deviations
- Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers, RSMs, NSMs and Senior Management.




- Formulate strategies to reduce exposures where the credit risk has enhanced including complete recovery before the credit deteriorates to non-performing category

- Process Improvements

- Provide inputs and suggest amendments for various lending norms like Risk Matrix, Interest Rate Policy, Credit Authorization Matrix, Risk Universe, Processes keeping the current regulatory and compliance environment in mind
- Undertake improvements in approval notes and other processes to meet dynamic market environment and needs of new customer segments
- Deploy effective processes and mechanisms to ensure high quality TATs for validating lending proposals & share the same with all concerned stakeholders

- Business Growth / Cross Functional Coordination / Stakeholder Management

- Support sales team in maintaining partner relationships with DSAs and Channel Partners and regular visits and trainings to meet business results
- Communicate the expected credit standards by engaging with the channel partners, sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information and Co-coordinating for smooth disbursement.
- Discussing through the door login trend and educating the business team on wastages and corrective actions.

- Deliver, Stay and growth





- Deliver - Ensure that business and portfolio related targets are met within given timeframe
- Stay – Ensure controlled attrition by way of continuous training and development, thus resulting into internal growth to team members
- Growth - Understanding of the requirement of workforce to ensure that the right environment is created for people to grow.

- Cross Functional Coordination

- Communicate the expected credit standards by engaging with the channel partners, sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information
- Oversee communication cascades to the sales teams on the broad parameters for validating lending proposals, provide regular trainings to RMs for the same
- Ensure document execution from RMs and the files are up to date

- Reporting, Review & MIS

- Regularly Review & Monitor the Portfolio performance, OTC & PDD movement and Compliance related matters
- Regularly Review & Monitor Vendor Management and closure of Audit queries
- Review the delegation of authority exercised by RCMs

- Team Management

- Provide the team with best-in-class knowledge on selection norms, new ways of proposal analysis and concepts
- Ensure that the team stays abreast with all the latest developments in the secured lending space
- Nominate teams for product, behavioral & negotiation trainings and work on self-development initiatives

- Credit Projects

- Taking up projects with an aim of improving processes / portfolio hygiene from time to time with overall objective of improving ROA and / or cost control.

📌 Circle Credit Manager - Indore (Madhya Pradesh)
🏢 Aditya Birla Group
📍 Madhya Pradesh