Credit Manager

Roles and Responsibilities : • Monitoring delinquency parameters through constant interactions with the collections team, analyzing trends and suggesting learnings out of the same. • Credit Appraisal of Loan applications within defined guidelines and accordingly take the decision or recommend for approval to higher authorities • Use performance history along with liquidity, debt/asset management • Underwriting cases with the desired level of quality and enabling achievement of Branch• Business target by proper training. • profitability ratios to assess creditworthiness in evaluation Interact with Customers & understand the business and regularly monitor delinquencies/infants. Decision making within defined TAT • Coordinating with sales, operations, legal, technical and customer service • Financial analysis and In-depth eligibility calculation of cases of LAP as per defined policy programs. • Co-ordinating with vendors for technical, legal etc reports. • Delinquency management. • Tracking emi bounced cases and analysing such cases for future actionable. • MIS monitoring with correct information. • Tracking TAT of each and every case. • Assessment of borrowers profiles , repayment capacity and income stability • Understand and interpret results of financial analysis, banking analysis and bureau report • Analysis of all customer related information in line with credit & risk policy to check eligibility • Meeting and personal discussion (PD) with customers to understand their business, profile and loan requirement • Visiting business premise, property and residence of customer • Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & finding