Area Credit Manager – Large Corporate Group

Upgrad Rekrut; Chennai District, Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

A financial services firm in Chennai is seeking an experienced Area Credit Manager to handle complex credit assessments and financial analyses. The ideal candidate should possess strong analytical skills, a CA/CFA/MBA, and have managed sizable portfolios. This role involves interaction with sales, training staff, and ensuring compliance with financial regulations.

Qualifications

• Strong analytical ability to assess financial documents.
• Experience managing a book size of 350 Cr+.
• Previous handling of ticket sizes between 25Cr-50Cr.

Responsibilities

• Prepare credit notes and assess transaction structuring.
• Perform detailed financial analysis on P&L and balance sheets.
• Engage with collections and sales teams to track delinquencies.
• Conduct pre-approval and rating for high exposure clients.
• Organize training sessions for staff on product processes.
• Ensure quality documentation and manage delinquency levels.
• Evaluate transaction, business, and industry risks.
• Develop market intelligence through interactions with other banks.
• Identify opportunities for automation and product development.

Skills

Analytical skills

Financial assessment

Risk evaluation

Education

CA or CFA or MBA from Tier I/II B School

Job description

Overview

We are hiring for Area Credit Manager who could create CAM for MCG or LCG of portfolio who is currently handling a ticket size of 25 Cr+ and Turnover of 250+ Cr.

Key Responsibilities

• Credit Assessment and Structuring: Prepare credit notes detailing transaction structuring and assessment.
• Perform detailed financial analysis, addressing major movements in P&L and balance sheets, citing reasons for such movements.
• Structure the transaction and provide a view on credit, detailing risks and mitigants.
• Interaction with Collections/Sales: Engage regularly with collections and sales teams to track delinquencies.
• Study delinquent cases to derive learnings and share insights with the team.
• Client Pre-Approval and Rating: Conduct pre-approval and rating of all clients with exposure exceeding Rs 500L.
• Organize regular training sessions for sales, channel partners, and field sales staff on various product policies and processes.
• Portfolio Management: Ensure quality documentation, manage post-disbursal documents, and maintain acceptable delinquency levels.
• Process Improvement: Work on projects and process improvements as required.
• Risk Evaluation: Critically evaluate transaction risk, business and financial risk of the borrower, and industry risk.
• Market Intelligence: Develop market intelligence by engaging with counterparts in other banks and financial institutions to understand their policies, focus areas, and portfolio health.
• Automation and Product Development: Identify opportunities for automation in existing processes and contribute to new product development.
• Early Warning Signals: Raise early warning signals for stressed accounts and take appropriate measures for timely exit.
• Audit Compliance: Ensure minimal audit queries, including those from RBI and statutory audits, and resolve them within prescribed timelines.

Qualifications and Skills

• CA or CFA or MBA from Tier I/II B School
• Strong analytical and financial assessment skills.
• Person who has Managed a book size of 350 Cr+.
• Person who has Ticket Size of 25Cr- 50Cr