- Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.
- Verifying the promoters track record & ascertaining their credit worthiness.
- Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position
- To ensure Bounce Rate and Delinquency are within acceptable standards.
- Monitor and enforce approval rate and TAT as per prescribed standards.
- Monitor and ensure that monthly Branch audit score is satisfactory.
- Vendor Management.
- To conduct customer meeting to evaluate credit proposal
- PDD Tracking and closure
- Compliance to repayment instrument replenishment to ensure regular repayment of EMI
- Key Responsibilities :
- Credit Decisions
- Take sound lending decisions based on available information & interactions with the applicants.
- Manage credit quality and control delinquencies, frauds. Monitoring Performance
- Managing performance in terms of key drivers i.e. oLoses / Portfolio quality parameters
- Cost of credit administration
- Employee Productivity
Mandatory Skills :
- Graduate/Postgraduate.
- 4-6 years Credit/Underwriting experience.
- Understanding of portfolio metrics.
- Robust inter-personal skills which encourages and promotes enthusiasm and team spirit.