Credit Manager - Micro LAP / Business Loan

Role & responsibilities

• To underwrite, build and maintain a portfolio of LAP / Business Loan products as per credit policy. • To manage multiple branches.
• Manages subordinate staff in day-to-day performance of their jobs.
• Responsible for overall supervision activities like login, processing, disbursement etc.
• Vendor management and manage all types of training regarding credit, policy and products.
• To review applications with credit verifications, financial, technical and legal analysis and sanctioned proposal within given authority limit
• To underwrite, analysis and recommended proposals to seniors / committee
• To review and closely monitor all MIS regarding portfolio and reporting to management on daily basis.
• Monitoring of portfolio every month with respect to delinquency / losses / fraud for the period underwritten
• Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies.
• Ensure collection of PDD diligently and provides for safe deposit of the same.

Preferred candidate profile

• No. of years of relevant experience:
• Minimum 3 years in LAP / Business loan Underwriting Experience post qualification
• NBFC underwriting experience would be preferred
• Any specific specialization/education: CA / MBA FINANCE