Education: MBA or M.Com with an aggregate of at least 60% (with no arrears) Experience: 0- 2 years of experience.
Reports to: Manager / Senior Manager
Key Result Areas
- Understanding the Retail Credit Policy and Risk Management (CV, Construction Equipment
- Application of financial tools to analyse Financial Statements of business enterprises – Corporates, partnership firms and other concerns.
- Drafting notes for recommendation on proposals, as per laid down policies and process.
- Ensuring credit policy adherence to accepted standards.
- Reviewing periodically the performance of clients in relation to the exposure taken on them and submitting reports thereon.
- Managing and supervising a team of credit analysts / underwriters.
- Coordinating with the business team and ensuring TATs are met.
Key Performance Indicators
- Underwriting of loan proposals accurately as per credit policy
- Ensuring full compliance with policy, process, and audit guidelines
- Maintaining portfolio quality with low delinquency
- Timely preparation and submission of MIS reports
- Coordinating effectively with internal teams and department
Knowledge, Skills & Experience
- Understanding the CV & CQ loans Business/Market Knowledge
- Knowledge about various Asset Classes and should be able to analyze the viability of the Asset.
- Knowledge on Assessment of income (with or without financials)
- Knowledge about policies and processes of CPC Maintain accuracy of data
Behaviors
- Displays robust ownership and responsibility.
- Maintains integrity and adheres to company values.
- Demonstrates a positive and proactive attitude.
- Open to learning and constructive feedback.
- Works well under pressure and meets deadlines.
- Maintains professionalism in all interactions.
- Respects team dynamics and promotes collaboration.
- Shows customer-centric thinking.
- Pays attention to detail and accuracy.
- Adapts quickly to changes in processes or priorities.