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Sourcing
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Sourcing
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Some high level things you would own but not limited to:
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Ø File Ø Feedback Ø Create Ø Handling Ø Doing Ø Analyzing Ø Calculation Ø Preparation Maintaining TAT for approval
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About the role :
A Credit Manager acts as the primary gatekeeper of the bank’s asset quality. The core of this role is to facilitate lending by rigorously assessing a client’s creditworthiness and ensuring all regulatory and internal paperwork is processed accurately. By evaluating financial data and calculating risk ratios, the Credit Manager ensures that every loan approved aligns with the bank & risk appetite while supporting business growth.
Some High Level level things you would own but not limited to :
What you would possess already:
Overall purpose of the job
Accountable for the overall credit approval process, credit policy, credit reviews of existing customers., segment mix & mitigating the risk of existing portfolio. Also responsible to oversee and ensure compliance with regulatory requirements.
Key Performance Areas
Sourcing
Handle entire activities of credit under this role.
Set up a Robust credit approval process
Handling credit tools such as CAM, Ratios etc.
Regular credit trainings across all levels
Initiate the verifications as appropriate and suggested by the procedures
Mitigating Risk of existing portfolio
Oversee and ensure compliance with regulatory requirements
Coordinate with All Regional Managers
People Management
MIS & Reporting
Recruitment/motivating/mentoring the team
Pre and Post disbursement
Verification of the Post Approval Documentation along with any Subject To Condition Approval requirements.
Ensure the completion of Risk Screening (FCU) process for all files.
Maintain audit and compliance.
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JOB
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1. JD Code
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Credit Manager |
2. Job Title
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Credit Manager |
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3. Department
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Credit |
4. Sub Dept/ Section
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Credit |
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5. Branch/ Office/Location
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6. Zone/ Region/ Area
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7. Level
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8. Grade/Band
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9. CTC (Min-Max)
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Up to 8 Lakhs |
10. CTC – Other Benefits/ Entitlement
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As per Company policy |
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11. Reporting To
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Area Credit Manager |
12. Reportees
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Nil |
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13. Age – Minimum
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25 years |
14. Age – Maximum
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45 years |
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15. Qualification – Desired (including
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Graduation / Post Graduation. MBA / CA will be an |
16. Qualification-Minimum
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Graduation. |
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17. Type of Experience (industry)
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Credit |
18. Experience – Years (min/ max)
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2 – 5 Years |
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19. Team Managing Experience in Years –
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– |
20. Team Managing Experience in Years (minimum)
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– |
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21. Functional Linkages-internal
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· · · · · · · · |
22. Functional Linkages-External
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· |
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23. Travelling Requirement (0%,10-20%,
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· |
24. Proficiency in Computer/ Tech
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·
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25. Overall purpose of the job
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A Credit Manager By evaluating |
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1.
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Sourcing
Ø File checking for document sufficiency Ø Feedback the upfront discrepancies to Ø Create the file on processing system / Ø Handling credit tools such as CAM. Ø Doing reference check, Cash flow Ø Analyzing Credit worthiness of the Ø Calculation of Debt burden and Ø Preparation of Credit Appraisal Memo Ø Maintaining TAT for approval |
Pre and Post disbursement
Ø Verification of the Post Approval Ø Ensure the completion of Risk Screening Ø Post Disbursal Documentation Ø End Use Verification Ø Maintain audit and compliance. Ø Responsible for collection.
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2.
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(a) Credit (b) Legal (c) Technical (d) Collections |
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3.
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(a) (b) (c) (d) |
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4.
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(a) (b) (c) |
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5.
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· |
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|
JOB
|
|||
|
1. JD Code
|
Credit Manager |
2. Job Title
|
Credit Manager |
|
3. Department
|
Credit |
4. Sub Dept/ Section
|
Credit |
|
5. Branch/ Office/Location
|
|
6. Zone/ Region/ Area
|
|
|
7. Level
|
|
8. Grade/Band
|
|
|
9. CTC (Min-Max)
|
Up to 8 Lakhs |
10. CTC – Other Benefits/ Entitlement
|
As per Company policy |
|
11. Reporting To
|
Area Credit Manager |
12. Reportees
|
Nil |
|
13. Age – Minimum
|
25 years |
14. Age – Maximum
|
45 years |
|
15. Qualification – Desired (including
|
Graduation / Post Graduation. MBA / CA will be an |
16. Qualification-Minimum
|
Graduation. |
|
17. Type of Experience (industry)
|
Credit |
18. Experience – Years (min/ max)
|
2 – 5 Years |
|
19. Team Managing Experience in Years –
|
– |
20. Team Managing Experience in Years (minimum)
|
– |
|
21. Functional Linkages-internal
|
· · · · · · · · |
22. Functional Linkages-External
|
· |
|
23. Travelling Requirement (0%,10-20%,
|
· |
24. Proficiency in Computer/ Tech
|
·
|
25. Overall purpose of the job
|
A Credit Manager By evaluating |
||
|
1.
|
||
|
Sourcing
Ø File checking for document sufficiency Ø Feedback the upfront discrepancies to Ø Create the file on processing system / Ø Handling credit tools such as CAM. Ø Doing reference check, Cash flow Ø Analyzing Credit worthiness of the Ø Calculation of Debt burden and Ø Preparation of Credit Appraisal Memo Ø Maintaining TAT for approval |
Pre and Post disbursement
Ø Verification of the Post Approval Ø Ensure the completion of Risk Screening Ø Post Disbursal Documentation Ø End Use Verification Ø Maintain audit and compliance. Ø Responsible for collection.
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|
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2.
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(a) Credit (b) Legal (c) Technical (d) Collections |
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|
3.
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(a) (b) (c) (d) |
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4.
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(a) (b) (c) |
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5.
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· |
|
About the Role:
As a Branch Credit Manager you will act as the primary gatekeeper of the bank’s asset quality. The core of this role is to facilitate lending by rigorously assessing a client’s creditworthiness and ensuring all regulatory and internal paperwork is processed accurately.
By evaluating financial data and calculating risk ratios, the Credit Manager ensures that every loan approved aligns with the bank’s risk appetite while supporting business growth.
Some high level things you would own but not limited to:
Sourcing
File checking for document sufficiency as per the policy.
Feedback the upfront discrepancies to the sales team.
Create the file on processing system / tracking systems.
Handling credit tools such as CAM.
Doing reference check, Cash flow analysis & Doing collateral verification
Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.
Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records
Preparation of Credit Appraisal Memo & forwarding the same case once it’s cleared to Cluster Manager
Maintaining TAT for approval
Pre and Post disbursement
Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.
Ensure the completion of Risk Screening (FCU) process for all files
Post Disbursal Documentation
End Use Verification
Maintain audit and compliance.
Responsible for collection.
What you would possess already:
Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or relevant professional certifications (such as CFA, FRM) would be a plus.
2+ Years of Exp in Credit Underwriting.
Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.
Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.
Familiarity with relevant regulatory frameworks and compliance requirements in the financial services sector.
Proficiency in using credit analysis tools, financial software, and data analytics platforms.
About the Role:
As a Branch Credit Manager you will act as the primary gatekeeper of the bank’s asset quality. The core of this role is to facilitate lending by rigorously assessing a client’s creditworthiness and ensuring all regulatory and internal paperwork is processed accurately.
By evaluating financial data and calculating risk ratios, the Credit Manager ensures that every loan approved aligns with the bank’s risk appetite while supporting business growth.
Some high level things you would own but not limited to:
Sourcing
File checking for document sufficiency as per the policy.
Feedback the upfront discrepancies to the sales team.
Create the file on processing system / tracking systems.
Handling credit tools such as CAM.
Doing reference check, Cash flow analysis & Doing collateral verification
Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.
Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records
Preparation of Credit Appraisal Memo & forwarding the same case once it’s cleared to Cluster Manager
Maintaining TAT for approval
Pre and Post disbursement
Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.
Ensure the completion of Risk Screening (FCU) process for all files
Post Disbursal Documentation
End Use Verification
Maintain audit and compliance.
Responsible for collection.
What you would possess already:
Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or relevant professional certifications (such as CFA, FRM) would be a plus.
2+ Years of Exp in Credit Underwriting.
Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.
Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.
Familiarity with relevant regulatory frameworks and compliance requirements in the financial services sector.
Proficiency in using credit analysis tools, financial software, and data analytics platforms.
Key Performance Area:
Sourcing
File checking for document sufficiency as per the policy.
Feedback the upfront discrepancies to the sales team.
Create the file on processing system / tracking systems.
Handling credit tools such as CAM.
Doing reference check, Cash flow analysis & Doing collateral verification
Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.
Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records
Preparation of Credit Appraisal Memo & forwarding the same case once it’s cleared to Cluster Manager
Maintaining TAT for approval
Pre and Post disbursement
Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.
Ensure the completion of Risk Screening (FCU) process for all files
Post Disbursal Documentation
End Use Verification
Maintain audit and compliance.
Responsible for collection.
Key Performance Area:
Sourcing
File checking for document sufficiency as per the policy.
Feedback the upfront discrepancies to the sales team.
Create the file on processing system / tracking systems.
Handling credit tools such as CAM.
Doing reference check, Cash flow analysis & Doing collateral verification
Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.
Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records
Preparation of Credit Appraisal Memo & forwarding the same case once it’s cleared to Cluster Manager
Maintaining TAT for approval
Pre and Post disbursement
Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.
Ensure the completion of Risk Screening (FCU) process for all files
Post Disbursal Documentation
End Use Verification
Maintain audit and compliance.
Responsible for collection.