Designation: Manager

Location: India Maharashtra R-Tech Park Goregaon

Organization: Financial Services
Job Description:

Key Result Areas

Supporting Actions

To assess/ recommend/ decide the viability of credit lending proposals based on institutionalized processes and dynamic market information
To decision proposals within delegated authority
To undertake analysis of the credit proposals based on and analysis of market information, current macroeconomic scenario, current portfolio concentration, etc
Evaluate current credit proposals / review existing credit exposures
To meet all clients above a certain threshold (for existing ones) on a regular basis, and meet all clients before disbursal in case of recent proposals
To undertake critical review of the credit proposals logged in with a view to especially bringing out the industry, business, financial, management and facility structure risk contained in the credit proposal.



The role needs to bring out the collateral and other credit risk mitigation to take decision / facilitate the approving authority to take decision on the credit proposal.
To engage with business teams in understanding the proposals submitted and extracting the relevant supporting information
To suggest measures for ensuring workability of the loan proposals to the RMs, keeping risk in check like suggesting risk mitigation for the identified risks
To ensure the ECL of the organization is under control
To guide the Business Analysts on the business side in ensuring faster TAT.

To ensure effective Turnaround time (TATs) for validating the proposals
To ensure TAT within SLAs with analysis of the broad parameters for considering or not considering the given proposal
To effectively deploy processes and mechanisms for ensuring high quality TATs for validating lending proposals & share the same with all concerned
To liaise with the Regional/ Zonal Credit Heads and Zonal Sales Heads, RH and BH , credit committee and pricing committees

📌 Credit Analyst Maharashtra (India)
🏢 Aditya Birla Group
📍 India