Area Credit Manager - Supply Chain

Responsibilities:

1. Prepare/amend the note/financial model with correct information (gathered via business team/public domain/other resources)
   
2. Prepare the credit note comprising of the detailed transaction structuring/assessment with a focus on the assessment part of the sought credit facility
   
3. Undertake regular interaction with collections/sales to track delinquencies. Study delinquent cases with a view to derive learning and share the same with the team.
   
4. Meet customers (retail & strategic) at regular intervals to understand various industries & markets.
   
5. Pre-approval and rating of all clients with exposure more than Rs.
   
6. Conduct regular training sessions for Sales/Channel Partners/Field sales staff on various product policies & processes.
   
7. Control & monitoring of post-disbursement documents - Invoice, Insurance & RC by way of interaction with sales and customers.
   
8. Manage portfolio to meet the requisite quality of documentation, post disbursal documents, and delinquency levels.
   
9. Work on projects/process improvements from time to time.
   
10. Critically evaluate the transaction risk, business & financial risk of the borrower as well as industry risk involved in any given industry.
    
11. Identify relevant and associated risks as aforementioned and submit appropriate mitigants against each.
    
12. Perform detailed financial analysis attending to all major movements in P&L & Balance sheet while ascertaining/citing the precise reason for such movements.
    
13. Prepare the Credit Note comprising the structure of the transaction and view of credit, detailing risk and mitigants.
    
14. Conduct detailed financial appraisal covering the business model, working capital cycle, profitability, etc.
    
15. Develop market intelligence by engaging with people in other banks and FIs regarding their policies, focus area, and portfolio health.
    
16. Identify automation opportunities in existing processes and new product development.
    
17. Ensure quality of credit underwriting.
    
18. Raise early warning signals for exit of stress accounts and take due measures for timely exit.
    
19. Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines.
    
20. Maintain market knowledge of CE/CV market practices.
    
21. Actively participate in customer visits.
    
22. Provide regular MIS on market intelligence.
    
    

Qualifications:

Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent.