Credit Manager - Supply Chain - Credit Appraisal

2 - 7 years

12 - 16 Lacs

Posted:4 weeks ago| Platform: Naukri logo

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Job Type

Full Time

Job Description


We are looking for a highly skilled and experienced Credit Manager to join our team in Delhi. The ideal candidate will have 2-7 years of experience in credit appraisal, risk assessment, and financial analysis. Roles and Responsibility
  • Prepare and amend notes and financial models with correct information.
  • Develop and maintain credit notes, detailing transaction structuring and assessment.
  • Regularly interact with collections and sales teams to track delinquencies and study delinquent cases.
  • Meet with customers to understand industry and market trends.
  • Pre-approve and rate clients with exposure over Rs 500L.
  • Conduct regular training sessions for sales, channel partners, and field staff on product policies and processes.
  • Control and monitor post-disbursement documents, invoices, insurance, and RC through interactions with sales and customers.
  • Manage the portfolio to meet quality documentation, post-disbursement document, and delinquency level requirements.
  • Work on projects and process improvements.
  • Critically evaluate transaction, business, financial, and industry risks involved in any given industry and identify relevant associated risks, submitting appropriate mitigation strategies.
  • Perform detailed financial analysis, attending to major movements in P&L and Balance sheet, and prepare credit notes detailing transaction structure and credit view, including risk and mitigants.
  • Develop market intelligence by engaging with people in other banks and FIs regarding their policies, focus areas, and portfolio health.
  • Identify automation opportunities in existing processes and new product development.
  • Ensure minimal audit queries, including RBI and statutory audits, and resolve them within prescribed timelines.
  • Maintain thorough knowledge of CE/CV market practices and actively participate in customer visits.
  • Provide regular MIS on market intelligence.

  •  Job
  • Minimum 2 years of experience in credit appraisal, risk assessment, or financial analysis.
  • Strong understanding of credit underwriting principles and practices.
  • Excellent analytical and problem-solving skills.
  • Ability to work effectively in a team environment.
  • Strong communication and interpersonal skills.
  • A minimum degree of MBA/PGDBA/PGPM/CA or equivalent is required.
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