Area Credit Manager - Primary Markets

Quona Capital; Bengaluru; In loco; INR 800.000 - 1.500.000; Tempo pieno

Descrizione del lavoro

Flourish Ventures is seeking an Area Credit Manager to oversee credit assessment processes across multiple locations in India including Bengaluru, Delhi, and Mumbai. The ideal candidate will have 3-6 years of experience with credit approvals of 25 to 50 lacs, strong analytical skills, and the ability to engage clients effectively. Responsibilities include preparing credit reports, monitoring loan portfolios, and ensuring compliance with lending regulations. This role demands exceptional organizational discipline and strong judgment in decision-making.

Competenze

• Relevant credit assessment experience of 3-6 years with approval authority of 25 to 50 lacs.
• Willingness to travel for client inspections.

Mansioni

• Establish qualification rules & credit worthiness of applicants.
• Prepare credit evaluation reports evaluating risk.
• Monitor and highlight risks in the portfolio of loans.
• Meet clients and create detailed visit reports.
• Ensure compliance with internal and external regulations.

Conoscenze

Analytical skills

Judgmental attributes

Organizational discipline

Presentation skills

Dedication

Formazione

CA/MBA (Finance)

Descrizione del lavoro

Area Credit Manager - Primary Markets

Location: Bangalore, Delhi, Mumbai, Pune, Hyderabad, Chennai

We are looking for

• CA/MBA (Finance)
• Willing to travel
• Relevant credit assessment experience of 3-6 years with approval authority of 25 to 50 lacs and conducting client site inspection.
• Preferred Industry experience – NBFC/Banks handling secured or unsecured loan underwriting

Role

• Establish key qualification rules & credit worthiness of applicants
• Preparing credit evaluation reports evaluating risk in borrower, transaction and underlying security and making recommendations
• Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts
• Working on new credit monitoring measures and credit triggers and their tracking.
• Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client.
• Meeting clients at regular intervals and making detailed visit reports for further information on the clients
• Liasioning and networking in the industry to seek reference checks for clients as well as understanding the industry & economy dynamics
• Ensuring the approvals are taken as per policies laid down and ensuring the internal policies on credit are not violated
• Ensuring and monitoring that no external regulations of lending as and when updated by the various institutions like RBI, Sebi etc are not violated
• Supervising and ensuring quick recovery of credit reports and proper maintenance of credit files to avoid any operational risks

Skills and Competencies

• Analytical bend of mind & Strong judgmental attributes
• Good organizational discipline and thirst for efficiency
• Good presentation skills
• Enthusiastic and dedicated