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DESCRIPTION
- Level: L4
- Department: Credit Officer
- Designation: EXEC Manager
- Location: Chennai
- Experience: Minimum 3 years of experience, preferably in Financial Services/Banking/FMCG/NBFC
- Preferred Age: Maximum 30 years
- Qualification: Any Graduate/ P.G./M.B.A.
- Reporting to: Area Credit Manager
- Nature of Role: Individual Performer
KPA
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Key Challenges:
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- Studying in detail reasons for FEMI bouncing and suggesting correction in credit buying.
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- Maintain accuracy in decision to avoid rework.
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ROLE & RESPONSIBILITY
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The Credit Manager should have extensive experience (min 3 years) in risk and credit in an NBFC / Bank. He should have enough knowledge of Geography / Area. Familiar with assessing credit using online and third-party tools. He should have good communication ability to train CPA executive & Sales DMA on credit policy & process. A short stint in sales will be an added advantage; this will give him a well-rounded perspective on business aspects.
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Detailed Role Profile:
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Sr No
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Key Performance Area
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Unit of Measure
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1
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Credit Decision based on policy / Underwriting of 2W and 3W cases
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Ongoing, daily activity should maintain TAT as per benchmark set.
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2
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Portfolio Tracking / behavior to assess risk
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Will require to prepare reports of area / locations and communicate the results (Femi, Nonstarter, Chq. Bouncing, Arrears etc)
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3
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Adhere to company Policies / Procedures / Business Ethics
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1. Maintains accurate records of all credit policies
2. Adheres to all company policies, procedures and business ethics codes and ensures that they are communicated and implemented within the team.
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4
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Process Efficiency
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Nil lapses in process same can be measured by way of all hind sighting, Login FTNR, FI Quality, Audit & RCU Reports, PDD Tracking etc.
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5
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Vendor Management ( FI, CPA etc)
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Vendor competency with frequent Review mechanism
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SKILL SET REQUIRED
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Skill Sets Required:
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Detail oriented
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Looks for new possibilities
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Hands on individual
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Good communication to CCMs and RSMs
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Ability to work with the team
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Interactions
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Internal
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External
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RM/ ASM/ CSMs and DMAs
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FI agencies, CPA agency
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