AREA CREDIT MANAGER - ANCHOR ONBOARDING

Muthoot FinCorp (MFL)

5 - 12 years

4 - 8 Lacs

Mumbai

Posted:6 hours ago| Platform:

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Skills Required

Supply chain Due diligence Automation Financial analysis Process efficiency Risk assessment Underwriting Market segmentation Business banking Monitoring

Work Mode

Work from Office

Job Type

Full Time

Job Description

Reviewing of anchor companies / anchor programs (vendor /dealer finance anchor programs) for deep tier Supply Chain Finance vertical
Responsible for analysing the Anchor Company / Fintech partners with the required due diligence and to ensure that all information required to take a credit decision is captured. This would involve understanding the anchors business model, financial analysis, management and industry analysis.
Discuss with anchors for better understanding of their business credentials, ensuring timely movement of cases
Underwriting / devising risk framework of Supply Chain Finance Anchor programs.
Recommend quality anchor programs thereby ensuring good quality portfolio and minimal level of NPAs

Monitoring of various anchor program review triggers for existing anchor program and ensure compliance with the set parameters. Highlighting those case where the trigger is breached to the senior management
Portfolio monitoring of Anchor programs to identify Early Warning Signals.
Conduct detailed analysis of delinquencies and recommend changes in Anchor program
Ensure that the anchor renewal proposal is compliant with the stipulated conditions at the time of previous sanction
Building an Underwriting model for NTC population for a banking partner based on transaction data
Responsible for ensuring sound understanding of credit policy across all relevant levels.

Keeping updated on the various changes in economic scenario / sectoral changes, negative news /updates on anchor Company financial performance / changes in external rating etc.
Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
Highly Specialized role By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.
To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency
Product knowledge at market level and market segmentation is necessary.
At least 5 years of experience in business banking with prior experience in supply chain finance

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