Responsible to curate the deal flow coming on online platform of the organization for underwriting, market intelligence,
product parameters.
The job holder is broadly responsible for the:
Credit underwriting on the customer to make sure that customer fits into various lending parameters.
Identify strengths and risks for any proposal and prepare a SWOT analysis around it.
Suggest best lender among the lending partners who can best meet the requirement of SME borrower.
Business support activities for the functions.
Principal Accountabilities:
Basic Function:
The credit manager position is accountable for the entire credit analysis for SME borrowers applying loan on our
platform, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the
assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and containment of bad debt losses.
Maintain the corporate credit policy to assess SME borrowers
Recommend improvements in the credit policy based on interaction
Maintain a credit scoring model for SME borrowers
Manage customer credit files in digital lockers and share them with partner lenders for onward processing
Monitor the credit granting and updating process including follow up with partner lenders
Develop market intelligence parameters to underwrite customers more scientifically.
Check compliance status of our customers through various resources available on public domain.
Personally visit the largest customers to establish relations
Monitor periodic credit reviews
To proactively identify operational issues, trends, and emerging risks and recommend appropriate measures to manage quality, working with relevant stakeholders.
Customers / Stakeholders:
To establish effective partnerships across support functions and key stakeholders.
To support planning, strategy and development to coordinate activity acro