Job Role: Evaluating credit proposals covering financial, business and industrial risk decisioning of the loan. Verifying the promoter's track record ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term long term solvency liquidity position. To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards. Monitor and ensure that monthly Branch audit score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal PDD Tracking and closure. Compliance to repayment instrument replenishment to ensure regular repayment of EMI. Key Responsibilities:
Credit Decisions Take sound lending decisions based on available information interactions with the applicants. Manage credit quality and control delinquencies, frauds. Monitoring Performance Managing performance in terms of key drivers i.e. oLoses / Portfolio quality parameters. Cost of credit administration oEmployee Productivity.Understanding of portfolio metrics Strong inter-personal skills which encourages and promotes enthusiasm and team spirit 4-6 years Credit/Underwriting experience