• POSITION DESCRIPTION JOB TITLE : Credit Manager-Semi Formal LAP GRADE : SM DEPARTMENT : Credit

LOCATION:
BRANCH SUB-DEPARTMENT : MSME TYPE OF POSITION : Full-time REPORTS TO : Area Credit Manager LAP-MSME REPORTING INTO Credit Officer
• ROLE PURPOSE & OBJECTIVE
• 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 new 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 positive interpersonal skills
• KEY INTERACTIONS INTERNAL EXTERNAL Regional Credit Manager, Area Credit Managers, Regional Business Managers, Area Managers, Product Managers, Credit Officers/CPA Vendors & Consultants Vigilance Managers, Legal Managers, Audit Manager, Risk Managers, Collection Manager Customers and Community Operations Manager, IT Manager and Service Quality Manager Competitors & Other credit agencies Recruitment Manager, State HR, Payroll Manager , Branch Manager & Accounts Manager Auditors PREPARED BY : Archit Sharma DATE : 16 th April 2023 REVIEWED BY : Vaibhav Sinha DATE : 17 th April 2023 LAST UPDATED BY : TM Team DATE : 16 th May 2023

📌 Credit Manager-Semi formal LAP (Krishnagiri)
🏢 Ujjivan Small Finance Bank
📍 Krishnagiri