Area Credit Manager (MEF/SFP)

Profectus Capital; Hyderabad; On-site; INR 1,000,000 - 1,500,000; Full time

Job summary

Profectus Capital is seeking an Area Credit Manager based in Hyderabad to oversee MEF/SFP loans, requiring strong credit underwriting skills and experience. This role involves managing credit processes, analyzing data, and ensuring adherence to budgets.

Ideal candidates must possess a Chartered Accountant or MBA in Finance and have 5-6 years of experience in credit underwriting. The position requires excellent analytical and communication skills.

Qualifications

• Credit Underwriting Experience of 5-6 years minimum.
• Ability to read and understand legal and technical reports.
• Pro-business attitude and ability to understand asset type viability.

Responsibilities

• Underwrite MEF & SFP loans and maintain Credit TAT.
• Manage Credit Underwriting and monitor Delinquency and NPA.
• Provide feedback on Credit Policy based on underwriting experience.

Skills

Credit Underwriting

Analytical skills

Communication Skills

Presentation Skills

Education

Chartered Accountant or MBA (Finance)

Tools

Loan Origination System

Loan Management System

Financial Analysis Tools

Job description

Position –

Area Credit Manager – MEF/SFP loans

Reporting to –

RCM

Specific Responsibilities –

• Underwriting of MEF & SFP (medical equipment/machinery funding, School funding) cases
• Make optimal use of the Loan Origination System and Loan Management system
• Maintain Credit TAT
• Manage Credit Underwriting as per policy
• Monitor Delinquency and NPA to budgeted levels for the product
• Manage Credit Cost as per approved budgets
• Give feedback to Credit Policy based on experience of underwriting
• Data Slicing/ Analysis and publishing of the reports
• PDD monitoring
• Industry Analysis

Key Performance Indicators –

• TAT
• Portfolio Quality
• Quality of Appraisal
• Cost Management
• Implementation of Processes

Internal –

Sales, Credit Underwriting team, HR, Admin, IT

External –

Customers, Agencies

Experience –

Credit Underwriting Experience of minimum 5-6 years

Technical Competencies –

• Positive, pro-business attitude
• Excellent Analytical skills
• Communication and Presentation skills
• Product knowledge
• Ability to understand asset type and its viability
• Ability to read and understand legal and technical reports and valuations related to properties financed by the company

Personal Attributes –

• Presentation Skills
• Communication Skills
• Analytical Skills
• Sincere
• Liasonsing skills

Formal Qualification –

Chartered Accountant / MBA (Finance) Mandatory

What is mandatory & Desirable –

• Good communication skills
• Good Financial Analysis Skill
• Knowledge of Computer Applications