Area Credit Manager-MSE

Ujjivan Small Finance Bank; Kamrup Metropolitan; Sur place; INR 4 000 000 - 6 000 000; Plein temps

Résumé du poste

Ujjivan Small Finance Bank Ltd. is seeking an Area Credit Manager-Formal LAP to lead credit underwriting for large MSME loans in the region. The role requires robust policy implementation, risk assessment, and field-level collaboration with Risk, Audit and Collections teams.

The incumbent will supervise a team, ensure quality portfolio growth, and manage vendor relationships while maintaining compliance with regulatory norms. AVP-I grade reflects leadership expectations and performance metrics.

Qualifications

• CA or MBA in Finance with relevant experience in secured MSME lending.
• Experience in credit risk management and underwriting for large ticket loans.
• Strong analytical ability to interpret P&L, balance sheet and cash flows.

Responsabilités

• Underwrite affluent MSME borrowers with secure collateral.
• Implement credit policies in field and train staff on changes.
• Monitor regulatory compliance and manage field-level risks.

Connaissances

Underwriting loans

Credit risk management

Team leadership

Regulatory knowledge

Financial analysis

Formation

CA

MBA in Finance

B.Com / M.Com

Outils

Credit policy implementation

Credit risk reporting

Description du poste

POSITION DESCRIPTION

• JOB TITLE : Area Credit Manager-Formal LAP
• GRADE : AVP-I
• DEPARTMENT : Credit
• LOCATION : RO
• SUB-DEPARTMENT : Credit-MSME
• TYPE OF POSITION : Permanent
• REPORTS TO : Regional Credit Manager
• REPORTING INTO : Credit Managers – MSME

ROLE PURPOSE & OBJECTIVE

• Implement robust credit underwriting policies and processes for large ticket size MSME loans (up to 10 Cr) in the region and ensure that the processes/policies are effectively managed on the field.
• Conduct income appraisal of MSME borrowers. In depth understanding and analysis of P & L Account and Balance Sheet including cash flows of self-employed borrowers.
• Ratio analysis of financials and loans for short and long term lending to self-employed customers.
• Responsible for underwriting and building good quality secured portfolio.
• Engage with Risk committee to monitor credit risk and ensure Risk is managed proactively, involve in IDM (Inter Departmental Meeting), Risk Committee meetings, Audit closure meeting
• Work closely with Business and Collections team to manage collections in different buckets at the field
• Manage cost and productivity of team and vendors.

SIZE OF THE ROLE

• Portfolio size of Rs. 1000 Cr
• 20-25 vendors (legal, technical etc.)
• 1 product (secured)
• 70-80 files per month

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials (Only Relevant roles)

• Underwriting target customer of affluent segment with detailed review
• Evaluate and assess collateral security adequate for the lending.
• Implement Credit policies and processes for MSME Loans in the field
• Implement new policies, amendments and technology changes through proper communication / training
• Participate in collection of dues from customers to maintain low delinquency/Bounce Rate
• Review and suggest policy and process changes based on the field understanding / feedback from the field team
• Monitor and ensure Credit related Regulatory and Legal compliances are followed thoroughly by the key role holders in field
• Ensure that area surveys, cross checks, negative area reviews are done timely along with Audit and Vigilance team
• Ensure the portfolio quality in excellent category through induction of good quality customers in MSME at the field level
• Effectively monitor external risk by keeping a tab on field issues and customer dynamics
• Identify, highlight and address emerging risks proactively along with the risk and compliance departments
• Execute strict actions taken as per the Penalty Matrix for the field deviations.
• Conduct Periodic review of Portfolio Quality and Collection to take necessary actions.
• Conduct periodic reviews with Credit Managers for driving desirable credit performance
• Prepare and monitor action plans for Poor and High Risk branches in MSME
• Be updated about the competition in the field and update the management on regular basis
• Monitor credit staff expenses across and ensure the same within the budget

Customer (Both Internal & External)

• Supervising the team spread in given area for building of a performing portfolio.
• Work with other Area Managers and Regional Business Managers for effective implementation of Credit Policies and team management
• Engage with credit vendors, FCU and other agencies to ensure productivity and cost control.
• Work with Business team, Audit team, Collection team and Risk team for effective risk management
• Engage with Product Management Team for necessary changes in products as per the observations from the field
• Engage with Recruitment Manager for timely recruitment and induction of new employees
• Engage branch supervisors to understand the customer and field staff requirements while framing the policies and processes
• Ensure that credit responds to Customer’s and branch staff queries and issues timely.
• Co-ordinate with Business team, Collections team and Vigilance team for effective collections management
• Engage with HR to ensure all staffing and training requirements are met in a timely manner
• Ensure the key MIS’s and reports are effectively delivered to management for managing business, portfolio, team and risk in the field

Internal Process

• Full adherence to all Regulatory Norms, Internal Policy & Process with respect to Credit & Collections
• Deliver High TAT applications are addressed immediately.
• Provide timely compliances to internal and external audit reports
• Present major findings to Risk Committee on High-Risk branches, IDM Issues and on monthly basis in coordination with Audit and Vigilance
• Implement accountability to address policy/process violations
• Timely escalation of critical cases to Credit Head and obtain appropriate deviation approvals
• Monitor timely & accurate submission of daily, weekly & monthly reports

Innovation & Learning

• Engage with HR to execute all training programs on Credit Policies and Processes
• Ensure structured induction plan for new joinees, lateral hires and internally promoted candidates
• Responsible for on time hiring of the right people for the assigned hubs
• Ensure goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees
• Monitor performance of direct and skip level reportees against defined goals/metrics and take corrective action wherever required
• Ensure staff attrition is below defined limits at regional level
• Pursue Relevant Courses to the team and for the self and Groom team members for cross learning and provide growth opportunities
• Visit Field regularly with Subordinates to keep abreast of area related issues, Underwriting performances, Performance of Competitors, and any staff related issues which may pose a risk to portfolio

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• CA or MBA in Finance from a reputed college. (B.Com, M.Com with relevant experience)

Experience

• Preferred experience of 5 years or more in Credit Secured Loan products in term loans and working capital limits.
• Experience in Team Handling and Credit Risk Management

Certifications

NA

Functional Skills

• Knowledge of Underwriting of loans (Credit, product & process)
• Knowledge of Documentation and Regulatory requirements
• Knowledge of financial services landscape in rural & priority sector
• Knowledge of financial analysis
• Business acumen
• Evaluate and assess collateral security/collateral documentation adequate for the lending

Behavioral Skills

• Accuracy, precision and attention to detail
• Pro-activeness and initiative taking
• Training skills and Co-ordination skills
• Interpersonal, Communication and Presentation skills
• Ownership, Leadership and team handling
• Problem Solving, conflict management skills
• Good personal discipline and planning
• Ability to form good working relationships with other functions
• Decision Making skills

KEY INTERACTIONS

INTERNAL

Regional Credit Manager, Credit Managers, Regional Business Managers, Area Managers, Product Managers,

EXTERNAL

Customers and Community

Vigilance Managers, Legal Managers, Audit Manager, Risk Managers, Collection Manager

Auditors

Operations Manager, IT Manager and Service Quality Manager

Vendors and Consultants

Recruitment Manager, State HR, Payroll Manager

Competitors

Accounts Manager

Credit Bureau Agencies

PREPARED BY : Archit Sharma

DATE : 22 nd June 2023

REVIEWED BY : Vaibhav Sinha

DATE : 28 th June 2023

LAST UPDATED BY : TM Team

DATE : 8 th August 2023