Role & responsibilities

Job responsibilities:

This is a senior leadership role responsible for driving business growth, managing a high-performing team.
Creditworthiness Assessment and Management: Analyzing financial data and statements to determine the creditworthiness of individuals or firms and the associated risk in extending credit.
Policy and Procedure Implementation: Establishing and monitoring processes related to credit management, including credit policies, vendor management and documentation.
Team Leadership and Development: Leading a team of credit managers, providing guidance, training, and coaching to ensure TAT, portfolio quality and manage delinquencies.
Regulatory Compliance and Reporting: Ensuring adherence to credit policies, regulatory guidelines (e.g., RBI regulations in India) and internal audit compliance.
Portfolio Monitoring and Analysis: Tracking deviations, analyzing delinquent cases, and identifying early warning signals related to credit risk.
Vendor and Agency Coordination: Liaising with external agencies (e.g.,



legal and technical agencies) and vendors to resolve queries and ensure timely report submissions.

Business Development and Support: Partnering with sales teams to achieve business targets and providing credit-related support for product growth.
Requirements :

Education: B. Com with CA/CMA, MBA (Finance) or equivalent degree. Experience: Min 4 years plus experience in credit management, underwriting of secured loans.

Analytical Skills: The ability to interpret financial reports, analyze data, and assess creditworthiness.

Communication and Interpersonal Skills: Effective communication and negotiation skills for interacting with clients, colleagues, and senior management.

Leadership and Team Management: Robust leadership abilities to manage and motivate a credit team.

Attention to Detail: Precision and meticulousness to identify potential issues and avoid errors in financial data.

📌 Lcm Affordable Hf Delhi (India)
🏢 Intellectual Capital HR Consulting
📍 India