Credit Manager-Mehsana : RMN/949/19-20

Credit Manager-Mehsana : RMN/949/19-20

Addon Manpower Solutions LLP
Mehsana
0 - 5 Years
Not Specified

Job Description

Key Responsibilities
Managerial Responsibilities
To help manage the branch with help of Branch Manager
Functional Responsibilities
Enforcement and adherence of the company credit process and policy in the
Branches for Secured and hypothecated loans
Approval of Secured and hypothecated loans as per policy
Review of portfolio with respect to delinquency/losses/fraud of the portfolio
with branch manager
Hand holding of branches in initial stages for better understanding of
processes including customer assessment, cash flow, CPV etc
Interacting with Branch Managers and Cluster Business Manager from risk
and loss control perspective.
Job Requirements
Qualifications Minimum Graduate in any stream
Experience
4-5 years total experience in credit function with 2-3 years or more relevant
experience in credit approval in consumer finance (LAP/Personal
loan/Mortgage/Auto/2W/Consumer Durable) in NBFC/Banks
Functional Competencies
Credit Appraisal: Ensure all loan application is appraised as per credit policy
and within applicable TAT. Meeting the customer for approval is also required
Risk Mitigation: Identify and analyze risks (economic, social, political, etc)
related to broader loan portfolio; ensure portfolio diversification and quality
across activities and Area
Collection: Need to monitor collection as per repayment schedule from
customers. Collection is done by Branch CROs
Training: Training branch CROs regularly on credit policy and improvement
areas.
Behavioral Competencies
Maintaining Balance while taking decisions relating to approval
Adaptability/ Accountability
Integrity & Valuing Diversity

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With over decades of in hand experience and expertise in providing manpower solutions to gargantuan business empires all over the world, it is your one stop solution related to personnel resources and manpower queries.

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