Area Credit Manager-MSE

Darwinbox Digital Solutions Pvt. Ltd.; India; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. is seeking an experienced credit underwriter for MSME loans in the field.

You will assess income, analyze P&L and balance sheets of self-employed borrowers, and evaluate collateral quality. Build a high-quality secured portfolio while coordinating with risk, collections, and business teams. The role requires strong analytical skills, regulatory knowledge, and the ability to implement new policies and training for field staff.

Qualifications

• CA or MBA in Finance with relevant experience preferred.
• Strong knowledge of MSME lending and credit risk management.
• Experience in secured loan products is desirable.

Responsibilities

• Underwrite target affluent MSME borrowers with detailed review.
• Evaluate collateral adequacy for lending.
• Implement credit policies for MSME loans in the field.
• Ensure compliance with regulatory and internal policies.
• Participate in collections to maintain low delinquency.
• Monitor risks and report to Risk Committee.

Skills

Credit underwriting

Risk management

Financial analysis

Collateral evaluation

Education

CA or MBA in Finance

B.Com/M.Com with experience

Tools

MS Excel

Credit risk software

Job description

Implementrobust credit underwriting policies and processes for largeticket size MSME loans (up to 10 Cr) in the region and ensurethat the processes/policies are effectively managed on the field.

Conductincome appraisal of MSME borrowers. In depth understanding andanalysis of P & L Account and Balance Sheet including cashflows of self-employed borrowers.

Ratioanalysis of financials and loans for short and long term lendingto self-employed customers.

Responsiblefor underwriting and building good quality secured portfolio.

Engagewith Risk committee to monitor credit risk and ensure Risk ismanaged proactively, involve in IDM (Inter Departmental Meeting),Risk Committee meetings, Audit closure meeting

Workclosely with Business and Collections team to manage collectionsin different buckets at the field

Managecost and productivity of team and vendors.

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

Portfoliosize of Rs. 1000 Cr

1product (secured)

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business/Financials (Only Relevant roles)

Underwritingtarget customer of affluent segment with detailed review

Evaluateand assess collateral security adequate for the lending.

ImplementCredit policies and processes for MSME Loans in the field

Implementnew policies, amendments and technology changes through propercommunication / training

Participatein collection of dues from customers to maintain lowdelinquency/Bounce Rate

Reviewand suggest policy and process changes based on the fieldunderstanding / feedback from the field team

Monitorand ensure Credit related Regulatory and Legal compliances arefollowed thoroughly by the key role holders in field

Ensurethat area surveys, cross checks, negative area reviews are donetimely along with Audit and Vigilance team

Ensurethe portfolio quality in excellent category through induction ofgood quality customers in MSME at the field level

Effectivelymonitor external risk by keeping a tab on field issues andcustomer dynamics

Identify,highlight and address emerging risks proactively along with therisk and compliance departments

Executestrict actions taken as per the Penalty Matrix for the fielddeviations.

ConductPeriodic review of Portfolio Quality and Collection to takenecessary actions.

Conductperiodic reviews with Credit Managers for driving desirablecredit performance

Prepareand monitor action plans for Poor and High Risk branches in MSME

Beupdated about the competition in the field and update themanagement on regular basis

Monitorcredit staff expenses across and ensure the same within thebudget

Customer(Both Internal & External)

Supervisingthe team spread in given area for building of a performingportfolio.

Workwith other Area Managers and Regional Business Managers foreffective implementation of Credit Policies and team management

Engagewith credit vendors, FCU and other agencies to ensureproductivity and cost control.

Workwith Business team, Audit team, Collection team and Risk team foreffective risk management

Engagewith Product Management Team for necessary changes in products asper the observations from the field

Engagewith Recruitment Manager for timely recruitment and induction ofnew employees

Engagebranch supervisors to understand the customer and field staffrequirements while framing the policies and processes

Ensurethat credit responds to Customer’s and branch staff queriesand issues timely.

Co-ordinatewith Business team, Collections team and Vigilance team foreffective collections management

Engagewith HR to ensure all staffing and training requirements are metin a timely manner

Ensurethe key MIS’s and reports are effectively delivered tomanagement for managing business, portfolio, team and risk in thefield

InternalProcess

Fulladherence to all Regulatory Norms, Internal Policy & Processwith respect to Credit & Collections

DeliverHigh TAT applications are addressed immediately.

Providetimely compliances to internal and external audit reports

Presentmajor findings to Risk Committee on High-Risk branches, IDMIssues and on monthly basis in coordination with Audit andVigilance

Implementaccountability to address policy/process violations

Timelyescalation of critical cases to Credit Head and obtainappropriate deviation approvals

Monitortimely & accurate submission of daily, weekly & monthlyreports

Innovation& Learning

Engagewith HR to execute all training programs on Credit Policies andProcesses

Ensurestructured induction plan for new joinees, lateral hires andinternally promoted candidates

Responsiblefor on time hiring of the right people for the assigned hubs

Ensuregoal-setting, midyear review and annual appraisal process happenswithin specified timelines for self and reportees

Monitorperformance of direct and skip level reportees against definedgoals/metrics and take corrective action wherever required

Ensurestaff attrition is below defined limits at regional level

PursueRelevant Courses to the team and for the self and Groom teammembers for cross learning and provide growth opportunities

VisitField regularly with Subordinates to keep abreast of area relatedissues, Underwriting performances, Performance of Competitors,and any staff related issues which may pose a risk to portfolio

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

CAor MBA in Finance from a reputed college. (B.Com, M.Com withrelevant experience)

Experience

Preferredexperience of 5 years or more in Credit Secured Loan products interm loans and working capital limits.

Experiencein Team Handling and Credit Risk Management

Certifications

NA

FunctionalSkills

Knowledgeof Underwriting of loans (Credit, product & process)

Knowledgeof Documentation and Regulatory requirements

Knowledgeof financial services landscape in rural & priority sector

Knowledgeof financial analysis

Businessacumen

Evaluateand assess collateral security/collateral documentation adequatefor the lending

BehavioralSkills

Accuracy,precision and attention to detail

Pro-activenessand initiative taking

Trainingskills and Co-ordination skills

Interpersonal,Communication and Presentation skills

Ownership,Leadership and team handling

ProblemSolving, conflict management skills

Goodpersonal discipline and planning

Abilityto form good working relationships with other functions

KEYINTERACTIONS

INTERNAL

EXTERNAL

RegionalCredit Manager, Credit Managers, Regional Business Managers, AreaManagers, Product Managers,

Customersand Community

Auditors

OperationsManager, IT Manager and Service Quality Manager

Vendorsand Consultants

RecruitmentManager, State HR, Payroll Manager