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Credit Manager

5.00 to 8.00 Years   Mumbai City   23 Jan, 2023
NONAGON EXECUTIVE RESEARCH
Job LocationMumbai City
EducationNot Mentioned
SalaryRs 4.0 - 8 Lakh/Yr
IndustryNBFC ( Non Banking Financial Services )
Functional AreaRisk / Underwriting
EmploymentTypeFull-time

Job Description

    Work Location: Worli, MumbaiResponsibilities:Credit Risk ManagementCandidate would be responsible for appraising & assessing risks for loan under the consumerfocused Loan The incumbent will be responsible for underwriting personal loan proposal as per the laiddown policies & procedure to honor the agreed SLAs and manage city/area business volumes. To conduct personal discussion with customers to establish Credit worthiness and ensurecompletion of credit/KYC documents and verification- telephonic, field reports. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratiosand its impact on loan performance during the loan tenure. Interact with the client, gather requirements, financial statements and other inputs forperforming quality Credit analysis and due diligence. (for renewal & new borrowers) To prepare Credit Appraisal Memo (CAM). Responsible for Credit Assessment Manage credit quality and control delinquencies, frauds. To coordinate with sales to achieve targets and ensure TAT or SLAs are met. Work closely with RM/Product partners in structuring Credit solutions and ensuringappropriateness of the products, and expediting approvals Would be responsible to manage a team.Qualification & Experience Required:
    • CA/MBA with at least 5 to 7 years experience in Credit and Risk department of Banks, NBFCs,
    • Credit rating agencies.
    • Good experience in Credit analysis - Balance sheet, Profit & Loss Statement, Bank Statement. Credit underwriting work experience within retail lending with any large NBFC or Bank. Ideal candidate should understand the credit risk of consumer-focused loan and SME segment lending. Prospective candidate should have hands-on experience on how to review, assess and underwrite secured and unsecured loans with focus in personal loan underwriting.
    IMPORTANT NOTE:We prefer BYOD, please apply only if you have your own Laptop/Mobile/ Internet for work.

Keyskills :
credit underwritingpersonal loans

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