JOB DESCRIPTION

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. o Loses / Portfolio quality parameters o Cost of credit administration o Employee Productivity

SKILLS/COMPETENCIES REQUIRED  Graduate/Postgraduate.  4-6 years Credit/Underwriting experience.  Understanding of portfolio metrics.  Strong inter-personal skills which encourages and promotes enthusiasm and team spirit