1. Expert knowledge of assessing credit risk for large ticket size cases upto Rs. 1 Cr.
2. Conduct income appraisal of MSME borrowers. In depth understanding and analysis of P L Account and Balance Sheet including cashflows of self-employed borrowers.
3. Assess financial ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
4. Provide Market intelligence from competition and customers standpoint
5. Recommendations on new processes fraud Control initiative etc.
SIZEOF THE ROLE
- 10-15 vendors (legal, technical etc.)
- 1 product (secured)
- 25-30 files per month
KEYDUTIES RESPONSIBILITIES OF THE ROLE
Business/Financials (Only Relevant roles)
- Underwriting target customer by self and supervising the team to support for building of a performing portfolio.
- Evaluate various collateral types for their value and title documentation requirements
- Participate in collection of dues from customers to maintain low delinquency.
- Ensure Credit policy and process adherence by monitoring and timely review of processes and execution.
- Suggest Policy revisions in line with changing market conditions.
Customer(Both Internal External)
- Appraise various Customer segments in various for markets defined by the bank as area of operation for lending.
- Co-ordinate with Legal Technical Agencies for quality and timely delivery of credit reports.
- Meet appropriate customers for understanding of their needs and Conduct underwriting and renewals for cases under purview
- Co-ordinate with functions like operations, FCU, risk, business and technology for effective delivery to end customers.
- Ensure various reports are being sent to stakeholders on monthly basis at reg
📌 Credit Manager-Semi formal LAP (Salem)
🏢 Ujjivan Small Finance Bank
📍 Salem
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