Area Credit Manager - WC | Rudrapur

Ujjivan Small Finance Bank; Deoria, New Delhi; On-site; INR 1,500,000 - 2,200,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking an Area Credit Manager-Working Capital to lead portfolio growth across multiple branches. The role covers underwriting Working Capital facilities (fund-based and non fund-based) up to 10 Cr, and implementation of robust credit policies in the field.

Reporting to the Regional Credit Manager-Working Capital, you will engage with risk, operations, and collections teams to maintain portfolio quality and drive efficiency.

Qualifications

• Underwriting of Working Capital facilities up to 10 Cr (Fund Based / Non Fund Based).
• Implement robust credit underwriting policies and processes for large-ticket WC loans.

Responsibilities

• Underwriting target customers and assess working capital requirements.
• Evaluate collateral adequacy and enforce credit policies in field.
• Collaborate with risk, operations, and collections to manage credit risk and collections.
• Monitor portfolio quality and costs; drive productive field operations.

Job description

Job Summary

JOBTITLE: AreaCredit Manager-Working Capital

Grade: avp-i

DEPARTMENT: Credit

Location: RO

SUB-DEPARTMENT: CreditWorking Capital

TYPE OF POSITION: Permanent

REPORTS TO: RegionalCredit Manager-Working Capital

REPORTING INTO: CreditManager-Working Capital

Role Purpose / Objective

• Working Capital vertical is a growing business for Ujjivan. The Area Credit Manager will be an important position that will drive the portfolio growth for the particular area which involves multiple branches.
• Underwriting of Working Capital - Fund Based / Non Fund Based customers for facility amount up to 10 Cr.
• Implement robust credit underwriting policies and processes for large-ticket size Working Capital loans in the area and ensure that the processes/policies are effectively managed on the field.
• Conduct income appraisal and working capital gap of Working Capital 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 lending to self‑employed customers.
• Responsible for underwriting and building 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: 100 Cr

• 20-25 vendors (legal, technical, etc.)
• Multiple Fund Based and Non Fund Based offerings
• 20-30 files per month
• Coordination with CAD and Operations for case disbursement

Key Duties / Responsibilities of the Role

Business/Financials

• Underwriting target customer and understanding their working capital requirement
• Evaluate and assess whether collateral security is adequate
• Implement Credit policies and processes for Working Capital in 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
• Ensure the portfolio quality in excellent category through induction of good quality customers in Working Capital
• Effectively monitor external risk by keeping a tab on macro level inputs, field issues and customer dynamics
• Identify, highlight and address emerging risks proactively along with the risk and compliance departments
• Conduct periodic review of Portfolio Quality and Collection to take necessary actionsConduct periodic reviews with Credit Managers for driving desirable credit performance
• 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 in the given region for building of a performing portfolio.
• Work with Area Business Managers and Regional Business Managers for onboarding good customers, building quality portfolio, effective implementation of Credit Policies and team management
• Engage with vendors, FCU and other agencies to ensure productivity and cost control.
• 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 Customers and branch staff queries and issues timely.
• Engage with HR to ensure all staffing and training requirements are met in a timely manner

Location -

Rudrapur,Janakpuri,New Delhi,Noida