- POSITION DESCRIPTION

JOB TITLE : Area Credit Manager-Working Capital GRADE : AVP-I

DEPARTMENT : Credit

LOCATION : RO

SUB-DEPARTMENT : Credit Working Capital

TYPE OF POSITION : Permanent

REPORTS TO : Regional Credit Manager-Working Capital

REPORTING INTO

Credit Manager-Working Capital

- ROLE PURPOSE &
- OBJECTIVE

- WORKING CAPITAL vertical is a growing business for Ujjivan.

The Area Credit

Manager will be an important position that will drive the Portfolio growth for the particular Area which involves multiple Branches.

- Underwriting of Working Capital - Fund Based &

- Non-Fund Based customers for Facility amount up to 10 Cr
- Implement robust credit underwriting policies and processes for large ticket size WORKING CAPITAL loans in the Area and ensure that the processes/policies are effectively managed on the field
- Conduct income appraisal and working capital gap of WORKING CAPITAL borrowers. In depth understanding and analysis of P &
- L Account and Balance Sheet including cash flows of self-employed borrowers.
- Ratio analysis of financials and loans for lending to self-employed customers.
- Responsible for underwriting and building quality secured portfolio.
- Engage with Risk committee to monitor credit risk and ensure Risk is managed proactively, involve in IDM (Inter Departmental Meeting), Risk Committee meetings, Audit closure meeting
- Work closely with Business and Collections team to manage collections in different buckets at the field
- Manage cost and productivity of team and vendors.
- SIZE OF THE ROLE

FINANCIAL SIZE NON-FINANCIAL SIZE
- Portfolio size of 100 Cr
- 20-25 vendors (legal, technical etc.)
- Multiple Fund Based and Non Fund based offerings
- 20-30 files per month
- Coordination with CAD and Operations for case disbursement
- KEY DUTIES &

RESPONSIBILITIES OF THE ROLE

Business/ Financials

- Underwriting target customer and understanding their working capital requirement
- Evaluate and assess whether collateral security is adequate.
- Implement Credit policies and processes for WORKING CAPITAL in field
- Implement current policies, amendments and technology changes through proper communication / training
- Participate in collection of dues from customers to maintain low delinquency/Bounce Rate
- Review and suggest policy and process changes based on the field understanding / feedback from the field team
- Ensure the portfolio quality in excellent category through induction of good quality customers in WORKING CAPITAL
- Effectively monitor external risk by keeping a tab on macro level inputs, field issues and customer dynamics
- Identify, highlight and address emerging risks proactively along with the risk and compliance departments
- Conduct Periodic review of Portfolio Quality and Collection to take necessary actions.




- Conduct periodic reviews with Credit Managers for driving desirable credit performance
- Be updated about the competition in the field and update the management on regular basis
- Monitor credit staff expenses across and ensure the same within the budget

Customer (Both Internal &

- External)

- Supervising the team in the given region for building of a performing portfolio.
- Work with Area Business Managers and Regional Business Managers for onboarding good customers, building quality portfolio, effective implementation of Credit Policies and team management
- Engage with vendors, FCU and other agencies to ensure productivity and cost control.
- Engage with Product Management Team for necessary changes in products as per the observations from the field
- Engage with Recruitment Manager for timely recruitment and induction of new employees
- Engage branch supervisors to understand the customer and field staff requirements while framing the policies and processes
- Ensure that credit responds to Customer’s and branch staff queries and issues timely.
- Engage with HR to ensure all staffing and training requirements are met in a timely manner
- Ensure the key MIS’s and reports are effectively delivered to management for managing business, portfolio, team and risk in the field

Internal Process

- Full adherence to all Regulatory Norms, Internal Policy &
- Process with respect to Credit &
- Collections
- Deliver High TAT applications are addressed immediately.
- Provide timely compliances to internal and external audit reports
- Present major findings to Risk Committee on High-Risk branches, IDM Issues and on monthly basis in coordination with Audit and Vigilance
- Implement accountability to address policy/process violations
- Timely escalation of critical cases to Credit Head and obtain appropriate deviation approvals
- Monitor timely & accurate submission of daily, weekly & monthly reports
- Monitor health of portfolio

Innovation &

- Learning

- Engage with HR to execute all training programs on Credit Policies and Processes
- Ensure structured induction plan for new joinees, lateral hires and internally promoted candidates
- Responsible for on time hiring of the right people for the assigned hubs
- Ensure goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees




- Monitor performance of direct and skip level eportees against defined goals/metrics and take corrective action wherever required
- Ensure staff attrition is below defined limits at regional level
- Pursue Relevant Courses to the team and for the self and Groom team members for cross learning and provide growth opportunities
- Visit Field regularly with Subordinates to keep abreast of area related issues, underwriting performances, Performance of Competitors, and any staff related issues which may pose a risk to portfolio
- Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of the team.
- MINIMUM REQUIREMENTS OF KNOWLEDGE &

SKILLS

Educational

Qualifications

- CA or MBA in Finance from a reputed college or B.Com, M.Com with relevant experience

Experience

- Preferred experience of 5-10 years or more in Credit Secured Loan products in working capital limits and term loans.
- Experience in Team Handling and Credit Risk Management

Certifications
- Relevant certifications shall be an added advantage

Functional Skills
- Knowledge of Underwriting of loans (Credit, product & process)
- Knowledge of Documentation and Regulatory requirements
- Knowledge of financial analysis, working capital gap & cash flow determination
- Adequate Computer Knowledge
- Evaluate and assess collateral security/collateral documentation adequate for the lending
- Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language

Behavioral Skills
- Accuracy, precision and attention to detail
- Pro-activeness and initiative taking
- Training skills and Co-ordination skills
- Interpersonal, Communication and Presentation skills
- Ownership, Leadership and team handling
- Problem Solving, conflict management skills
- Good personal discipline and planning
- Ability to form good working relationships with other functions
- Decision Making skills
- Performance oriented

Competencies Required
- Good Computer Knowledge
- Competent to handle MIS systems and Lending Software
- KEY INTERACTIONS

INTERNAL

EXTERNAL

Regional Credit Manager, Credit Managers, Regional Business Managers, Area Managers, Product Managers

Customers and Community

Vigilance Managers, Legal Managers, Audit Manager, Risk Managers, Collection Manager

Auditors

Operations Manager, IT Manager and Service Quality Manager

Vendors and Consultants

Recruitment Manager, State HR, Payroll Manager

Competitors

Accounts Manager

Credit Bureau Agencies

PREPARED BY: Soumiya Gupta

DATE: 26-06-2023

REVIEWED BY: Archit Sharma

DATE: 28-06-2023

LAST UPDATED BY: TM Team

DATE: 17-09-2024

📌 Area Credit Manager - WC | Rudrapur
🏢 Ujjivan Small Finance Bank
📍 Rudrapur