Credit Manager - Mumbai

Job Description

Job Summary

Job Title: Manager Credit

Company: Credila Financial Services Ltd

Location: Mumbai

Department: Credit

Travel: Occasionally

Responsibilities

• Maintaining Credit Quality as desired by the Senior Management
• Credit Appraisal Underwriting - Maintaining quality of appraisal and TAT for decisioning of the case
• Meeting the loan borrowers and the applicants for personal interaction based on the risk profile of cases.
• Basic knowledge of banking
• Training - provide training to internal team members and intra departments/ channel partners
• Preliminary screening of borrower's profiles for maintaining the input quality of credit system.
• Process and Policy Understanding and Implementation
• First level document check for fraud prevention, data correction and information completeness.
• Managing Delinquency ratios
• Vendor Management
• Knowledge of Mortgage Industry and awareness of related risk
• Contribute to development of new techniques improvement of process and workflows by applying in-depth knowledge
• Develop recommendations to adjust credit policies by analysing credit and financial performance
• Implementation of risk management tools, Initiate processes Improvement and Impart training:
• Adherence to credit decisioning parameters as per Credit Policy on loan proposals
• Initiate and Implement process improvements for better customer experience thereby maintaining the organizations risk appetite.
• Structured training to be imparted for both internal teams as well as business associates on a regular basis.
• Work along with business teams to ensure timely delivery and controlled quality
• Fraud Risk: Risk analysis
• Analysing the local market and keep updating the central team on fraudulent colleges, negative areas and profiles
• Relationship Management, Customer Service and Team management: Excellence in service delivery on business processes, Inter departmental relationship management skills, Customer oriented process improvement.
• Keen team player, Self-motivating personality, good people management skills and an excellent motivator
• Communication Techniques

Qualifications

• Graduate in any field; MBA in Finance or Professional Degree of Chartered Accountant (CA) is preferrable

Experience & Skills

• 3-5 years of related work experience in the financial service sector
• Good Communication and report writing skills
• Good Knowledge of Computer applications
• Team Worker, Analytical skills, Self Motivated
• Result oriented

More Info

Education