National Credit Manager

Description:

Key Responsibilities:

Credit Underwriting & Approval:

• Oversee end-to-end credit appraisal and sanctioning of SME proposals including CC/OD, Term Loans, and Working Capital limits.
• Evaluate financial statements, CMA data, bank statements, GST returns, cash flows, and projections.
• Assess borrower risk through industry analysis, promoter background, business model evaluation, and collateral/security assessment.
• Approve cases within delegated authority and recommend higher exposures to senior committees.

Policy & Process Management:

• Design, implement, and update SME credit policies, SOPs, and underwriting frameworks.
• Ensure alignment with RBI guidelines, internal risk appetite, and audit requirements.
• Drive standardization of credit processes across locations to support scalable growth.

Portfolio & Risk Management:

• Monitor portfolio performance, delinquency trends, early warning signals (EWS), and stress accounts.
• Work closely with collections, legal, and recovery teams to control NPAs and credit costs.
• Periodically review exposure norms, sector caps, and concentration risks.

Business & Stakeholder Collaboration:

• Partner with sales/business teams to enable responsible credit growth without compromising risk standards.
• Provide guidance on deal structuring, pricing, and mitigation strategies.
• Support product innovation for SME lending in coordination with product and risk teams.

Team Leadership:

• Lead and mentor a pan-India credit team, including regional and zonal credit managers.
• Build a strong performance-driven culture with training on SME underwriting, compliance, and risk management.
• Conduct periodic credit audits and quality reviews.

Key Products Handled:

• SME Cash Credit (CC)
• Overdraft (OD)
• Working Capital Limits
• Term Loans (Secured/Unsecured)
• LAP / Collateral-backed facilities (as applicable)

Key Skills & Competencies:

• Strong expertise in SME credit underwriting and working capital assessment
• In-depth knowledge of banking/NBFC lending norms and RBI regulations
• Financial analysis, CMA preparation, and cash flow modeling
• Risk assessment, portfolio monitoring, and stress management
• Leadership, stakeholder management, and decision-making skills

Educational Qualification:

• CA / MBA (Finance) / CFA / ICWA or equivalent professional qualification