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 thebranch 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
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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
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Identify areas ofimprovement 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 transparent any bottlenecks, solving issues & ensuring least attrition in the location. N

nPortfolio Management:
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Reviewing the portfolio monthly including analysis on the delinquent cases and suggest changes in current Credit policy. N
Managing the changes inCredit policy as per market requirement to maintain healthy portfolio quality. N
CA, CFA or MBA from Tier 1⁄2 in

📌 Avp/dvp Wholesale Underwritng Ahmedabad
🏢 Ratnaafin Capital
📍 Ahmedabad