Function: Operations

Sub Function: Credit Administration

Role: Credit Manager Zonal CAD

Location: Mumbai (Dahisar Branch)

Interested candidate share profile at [email protected] with subject line " Credit Manager - Zonal (CAD) - Dahisar"

Role Overview The Credit Manager CAD will be responsible for end-to-end credit administration, ensuring accurate documentation, regulatory compliance, limit setup, security perfection, and post-disbursement monitoring. The role requires close coordination with Business, Legal, Risk, Operations, and external authorities to ensure adherence to statutory and internal credit policies.

Key Skills & Competencies

- Strong knowledge of credit administration, loan documentation, and security perfection
- Regulatory compliance (RBI, ROC, CERSAI guidelines)
- CAM analysis and sanction condition tracking
- Limit setup, collateral management, and charge filing
- Audit handling and risk mitigation
- MIS reporting and portfolio monitoring
- Core banking systems proficiency
- Strong stakeholder management and communication skills
- Attention to detail with high accuracy and process orientation

Role and Responsibilities:-

1. Credit Documentation & Limit Setup

- Review and analyze Credit Approval Memorandums (CAM) to ensure sanction conditions are complied with prior to documentation.
- Draft, vet, and verify loan documentation including Facility Agreements, Supplemental Agreements, Security Documents, and Mortgage Deeds.
- Ensure accuracy in limit loading, collateral linking, and borrower setup in core banking systems
- Authorize system entries for disbursement and drawing power setup as per approved terms.

1. Security Creation & Regulatory Compliance





- Oversee creation and perfection of security (movable/immovable), including mortgage registration and collateral management.
- Ensure timely filing, modification, and satisfaction of charges with ROC under the Companies Act, 2013 and registration with CERSAI.
- Issue NOC/NDC, property release letters, and handle charge satisfaction documentation.
- Monitor adherence to internal credit policy and RBI regulatory guidelines.

1. Pre- & Post-Disbursement Monitoring

- Ensure compliance with pre-activation checklists prior to loan disbursement.
- Track financial and non-financial covenants including submission of audited financials, stock statements, insurance policies, and CA certificates.
- Monitor overdue/overdrawn accounts and coordinate with Business teams for timely resolution.
- Conduct periodic collateral and documentation audits; address audit observations and implement corrective actions.

1. MIS, Audit & Process Governance

- Prepare and analyze MIS reports for portfolio monitoring, reconciliation, deferral tracking, and operational performance improvement.
- Ensure archival, protected custody, and efficient retrieval of credit files and security documents.
- Support internal, concurrent, statutory, and RBI audits by providing required documentation and compliance updates.
- Identify process gaps and drive improvements to enhance operational efficiency and reduce compliance risk.

1. Stakeholder & Team Management

- Act as a single point of contact (SPOC) between Business, Legal, Risk, and Operations teams for credit administration matters.
- Guide and mentor junior team members on documentation standards, regulatory compliance, and system processes.
- Stay updated with evolving bank policies, regulatory amendments, and compliance requirements.

📌 Credit Manager - Zonal CAD (Mumbai)
🏢 Jana Small Finance Bank
📍 Mumbai