Credit Manager - Semi Formal LAP

As a Credit Risk Assessment Specialist, your role involves assessing credit risk for large ticket size cases up to Rs. 1 Cr. You will conduct income appraisal of MSME borrowers, analyze P & L Account, Balance Sheet, and cash flows of self-employed borrowers. It is essential to have a deep understanding of financial ratios, their calculation, and their impact on loan performance over long tenures. Your responsibility includes providing market intelligence from a competitive and customer standpoint, as well as making recommendations on processes and fraud control initiatives. Your financial responsibilities include managing a portfolio size of Rs. 200-300 Cr, handling 10-15 vendors, dealing with 1 secured product, and processing 25-30 files per month. Your key duties involve underwriting target customers, evaluating collateral types, collecting dues from customers, ensuring credit policy adherence, and suggesting policy revisions based on market conditions. You will interact with various stakeholders including internal teams such as Legal, Technical Agencies, Risk, Business, and Technology departments. Additionally, you will maintain compliance with RBI regulations, provide audit compliance, and conduct timely hiring of Credit Officers as per the budget. To excel in this role, you are required to have an MBA in Finance from a reputed college or relevant educational qualifications. A minimum of 2-3 years of experience in Credit MSME Loan products is preferred. Functional skills such as financial analysis, collateral assessment, and business analysis are crucial. Moreover, possessing behavioral skills like team management, leadership, and interpersonal skills will be beneficial. Key Interactions in this role include engagement with internal teams like Regional Credit Manager, Area Credit Managers, as well as external stakeholders like Vendors, Consultants, Customers, and Community. Locations for this role include Tiruppur, Salem, Krishnagiri, Coimbatore, Hyderabad, and more. Please note that the mentioned responsibilities, qualifications, and skills are crucial for excelling in this position as a Credit Risk Assessment Specialist. As a Credit Risk Assessment Specialist, your role involves assessing credit risk for large ticket size cases up to Rs. 1 Cr. You will conduct income appraisal of MSME borrowers, analyze P & L Account, Balance Sheet, and cash flows of self-employed borrowers. It is essential to have a deep understanding of financial ratios, their calculation, and their impact on loan performance over long tenures. Your responsibility includes providing market intelligence from a competitive and customer standpoint, as well as making recommendations on processes and fraud control initiatives. Your financial responsibilities include managing a portfolio size of Rs. 200-300 Cr, handling 10-15 vendors, dealing with 1 secured product, and processing 25-30 files per month. Your key duties involve underwriting target customers, evaluating collateral types, collecting dues from customers, ensuring credit policy adherence, and suggesting policy revisions based on market conditions. You will interact with various stakeholders including internal teams such as Legal, Technical Agencies, Risk, Business, and Technology departments. Additionally, you will maintain compliance with RBI regulations, provide audit compliance, and conduct timely hiring of Credit Officers as per the budget. To excel in this role, you are required to have an MBA in Finance from a reputed college or relevant educational qualifications. A minimum of 2-3 years of experience in Credit MSME Loan products is preferred. Functional skills such as financial analysis, collateral assessment, and business analysis are crucial. Moreover, possessing behavioral skills like team management, leadership, and interpersonal skills will be beneficial. Key Interactions in this role include engagement with internal teams like Regional Credit Manager, Area Credit Managers, as well as external stakeholders like Vendors, Consultants, Customers, and Community. Locations for this role include Tiruppur, Salem, Krishnagiri, Coimbatore, Hyderabad, and more. Please note that the mentioned responsibilities, qualifications, and skills are crucial for excelling in this position as a Credit Risk Assessment Specialist.