Role: Credit Manager MSME LAP
We are seeking an analytical and risk-conscious Credit Manager to scale our MSME Loan, Machinery loans and Against Property (LAP) portfolio. You will be the financial gatekeeper, balancing business growth with impeccable risk mitigation.Key ResponsibilitiesCredit Underwriting & Risk Analysis
- Evaluate high-value LAP loan and Machinery loan proposals for MSME borrowers.
- Analyze complex financial statements, tax audits, and cash flows.
- Assess borrower repayment capacity through banking and GST analysis.
- Conduct detailed risk assessments regarding industry and market trends.
- Verify collateral valuation reports and legal vetting documents.
- Detect and mitigate potential fraud risks through strict verification.
Policy Compliance & Portfolio Hygiene
- Align all underwriting decisions with corporate credit policies.
- Ensure strict adherence to regulatory and compliance guidelines.
- Monitor portfolio quality to minimize non-performing assets (NPAs).
- Maintain impeccable credit hygiene across all loan files.
- Implement corrective actions based on internal audit findings.
Stakeholder Collaboration
- Partner with Sales teams to understand client profiles.
- Structure viable loan deals without compromising credit parameters.
- Coordinate with Operations for timely and accurate loan disbursements.
- Interact with credit verification agencies and legal vendors.
- Present complex credit cases to higher sanctioning authorities.
- Minimum Experience: 5+ years in LAP or Machinery loan underwriting specifically.
- Segment Focus: Proven expertise handling MSME customer segments.
- Education: Graduate/Postgraduate in Finance, CA, or MBA Finance.
Technical & Operational Skills
- Robust understanding of collateral evaluation methods.
- Deep knowledge of banking regulations and financial analysis.
- Proficiency in loan origination systems (LOS) and credit software.
- Excellent balance sheet analysis and ratio analysis skills.