Minimum Education Qualification: Graduation / Post Graduation from a reputed institution
4 - 5 years of experience in Retail banking / SME credit management
Team player and engaging the team members to achieve the goals
Influential Communication in English and local languages
Analytical skills and ability to process data on computer spreadsheets
Comfortable in assessing clients without access to audited financials
Understanding of risk and its various dimensions like operational risk, credit risk, market risk, etc
Willingness and ability to travel within the city
Job Description
Job Summary
Varthana is looking for Assistant Manager - Credit who will verify whether all the loan applications are assessed as per the credit policy and whether deviations, if any, are appropriately mitigated and documented. The candidate will be interacting with the customers, assessing them based on personal discussions & interviews, ensuring that all files are turned around within an acceptable timeline,
and building a long-lasting relationship with them. The Assistant Manager will also be coordinating with the sales team and operations team for collecting accurate data.
Key Role Deliverables
Turnaround Time Management: Ensuring that all the applications are honored upon agreed turnaround times
Portfolio Monitoring: Monitoring of the portfolio, analysis of delinquent cases, client profiling, and data cutting
Deviation Tracking & Delinquency Analysis: Tracking deviations and identifying any correlation between deviations and delinquencies
Security Creation Process Management: Ensuring proper security creation process for all secured loans
Portfolio Evaluation & Early Warning Monitoring: Evaluating the portfolio and highlighting any early warning signals
KYC & Regulatory Compliance: Ensuring that all KYC guidelines issued by RBI from time to time are adhered to
Customer Assessment & Credit Evaluation: Interacting with customers, assessing the applications, and ensuring that credit parameters are adhered to
Varthana has published a position Assistant Manager - Credit at Nellore.
Qualification-Graduation.