- Expert knowledge of assessing credit risk for large ticket size cases up to Rs. 1 Cr.
- Conduct income appraisal of MSME borrowers. In depth understanding and analysis of P &
- L Account and Balance Sheet including cash flows of self-employed borrowers.
- Assess financial ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
- Provide Market intelligence from competition and customer’s stand point
- Recommendations on current processes & fraud Control initiative etc.
- SIZE OF THE ROLE
FINANCIAL SIZE NON-FINANCIAL SIZE
- Portfolio size of Rs. 200-300 Cr
- 10-15 vendors (legal, technical etc.)
- 1 product (secured)
- 25-30 files per month
- KEY DUTIES & RESPONSIBILITIES OF THE ROLE
- Business/ Financials (Only Relevant roles)
- Underwriting target customer by self and supervising the team to support for building of a performing portfolio.
- Evaluate various collateral types for their value and title documentation requirements
- Participate in collection of dues from customers to maintain low delinquency.
- Ensure Credit policy and process adherence by monitoring and timely review of processes and execution.
- Suggest Policy revisions in line with changing market conditions.
- Customer (Both Internal &
- External)
- Appraise various Customer segments in various for markets defined by the bank as area of operation for lending.
- Co-ordinate with Legal &
- Technical Agencies for quality and timely delivery of credit reports.
- Meet appropriate customers for understanding of their needs and Conduct underwriting and renewals for cases under purview
- Co-ordinate with functions like operations, FCU, risk, business and technology for effective delivery to end customers.
- Ensure various reports are being sent to stakeholders on monthly basis & at regular frequencies.
- Internal Process
- Time to time Intervention to manage ground level risk effectively.
- Full adherence to RBI regulations on documentation and KYC compliance.
- LUC and periodic loan monitoring framework
- Provide Audit Compliance.
- Timely hiring of Credit Officer for the location as per the budget
- Innovation &
- Learning
- Timely training to branches in the location.
- Maintain up to date knowledge of MSE and other related products.
- Upgrade self and team about changes happening in the market.
- Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives
- Perform on time appraisal and suggest suitable career paths for staff
- MINIMUM REQUIREMENTS OF KNOWLEDGE &
SKILLS
Educational
Qualifications
- MBA in Finance from a reputed college (B.Com, M.Com with relevant experience)
Experience
- Preferred experience of 2/3 years or more in Credit MSME Loan products in term loans and working capital limits.
Certifications
- NA
Functional Skills
- Knowledge of Credit in MSME Loans including term loans and overdrafts
- Knowledge of financial analysis & cash flow determination
- Evaluate and assess collateral security/collateral documentation adequate for the lending
- Business Analysis Skills
- Communication Skills.
Behavioral Skills
- Team Management Skills
- Leadership
- Possesses good interpersonal skills
- KEY INTERACTIONS
INTERNAL
EXTERNAL
Regional Credit Manager, Area Credit Managers, Regional Business Managers, Area Managers, Product Managers, Credit Officers/CPA