Credit Manager - Mass LAP,

Role & responsibilities

• To underwrite, build and maintain a portfolio of LAP as per credit policy.
• Vendor management and manage all types of training regarding credit, policy and products.
• To process applications with credit verification, 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

• Ability to comprehend risk inherent to customer business
• Flair for numbers and an ability to understand processes, read balance sheets and understand customer business models
• Knowledge of legal undertakings
• Good people management skills
• Systematic & Meticulous and Ability to perform under pressure
• Good analytical & logical abilities and Good communication and interpersonal skills
• High resilience, energy & initiative
• Result and achievement orientation
• Well networked in locality with respect to customers / financiers
• Ability to work in teams internally and also build good relationships with customers
• Demonstrate core company values, including high integrity and ethics