- 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.
Key Duties 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 surveys, cross checks, negative area reviews are donetimely along with Audit and Vigilance team
- Ensurethe portfolio quality in excellent category through induction ofgood quality customers in MSME at the field level
- Effectivelymonitor external risk by keeping a tab on field issues andcustomer dynamics
- Identify,highlight and address emerging risks proactively along with therisk and compliance departments
- Executestrict actions taken as per the Penalty Matrix for the fielddeviations.
- ConductPeriodic review of Portfolio Quality and Collection to takenecessary actions.
- Conductperiodic reviews with Credit Managers for driving desirablecredit performance
- Prepareand monitor action plans for Poor and High Risk branches in MSME
- Beupdated about the competition in the field and update themanagement on regular basis
- Monitorcredit staff expenses across and ensure the same within thebudget