Credit Manager SME Business Banking, Vadodara

Key Responsibilities

Primary Responsibilities

• Underwrite secured and unsecured loan proposals in accordance with established policies and procedures to meet agreed SLAs and manage business volumes.
• Supervise a team of credit underwriters and provide necessary guidelines.
• Conduct personal discussions with customers to assess creditworthiness.
• Control and reduce front-end delinquencies by contacting customers upon first presentation.
• Ensure completion of credit and KYC documentation, including telephonic, field, and collateral verifications.
• Coordinate with the sales team to achieve targets and ensure SLA compliance.
• Ensure adherence to credit policies and standards.

Secondary Responsibilities

• Support the sales team with credit-related queries and documentation.
• Assist in training and mentoring junior credit staff.
• Participate in audits and ensure compliance with internal and external regulations.

What We Are Looking For

Education

• Graduate in any discipline.

• 4-5 years of relevant years of experience in credit underwriting.

Skills and Attributes

• Strong understanding of credit policies and procedures.
• Excellent communication and interpersonal skills.
• Ability to manage and guide a team effectively.
• Attention to detail and strong analytical skills.
• Customer-centric approach with a focus on risk management