Area Credit Manager - WC | Rudrapur

Ujjivan Small Finance Bank; Rudrapur; In loco; INR 1.200.000 - 1.800.000; Tempo pieno

Descrizione del lavoro

Ujjivan Small Finance Bank Ltd. is seeking an Area Credit Manager for Working Capital to drive portfolio growth across multiple branches.

You will underwrite fund-based and non-fund-based facilities up to 10 Cr, implement robust credit policies in the field, and assess cash flow and balance sheets for self-employed borrowers. You will collaborate with Risk, Operations, and Collections to maintain portfolio quality, monitor risks, and ensure timely disbursement and collections.

Competenze

• CA or MBA in Finance or B.Com/M.Com with relevant experience.
• Preferred 5–10 years in credit secured lending for working capital and term loans.
• Strong knowledge of financial analysis, cash flow, and collateral evaluation.
• Excellent communication and leadership abilities in cross-functional teams.

Mansioni

• Underwrite target customers and assess working capital needs.
• Evaluate collateral adequacy and enforce credit policies in the field.
• Implement policies and process changes with proper communication and training.
• Assist in collection to maintain low delinquency and bounce rates.
• Review and update policies based on field feedback and risks.

Conoscenze

Credit underwriting

Financial analysis

Portfolio management

Risk assessment

Team leadership

Formazione

CA or MBA in Finance

B.Com / M.Com with relevant experience

Strumenti

Lending software

MIS reporting tools

Descrizione del lavoro

WORKINGCAPITAL vertical is a growing business for Ujjivan. The AreaCredit Manager will be an important position that will drive thePortfolio growth for the particular Area which involves multipleBranches.

Underwritingof Working Capital - Fund Based & Non-Fund Based customersfor Facility amount up to 10 Cr

Implementrobust credit underwriting policies and processes for largeticket size WORKING CAPITAL loans in the Area and ensure that theprocesses/policies are effectively managed on the field

Conductincome appraisal and working capital gap of WORKING CAPITALborrowers. In depth understanding and analysis of P & LAccount and Balance Sheet including cash flows of self-employedborrowers.

Ratioanalysis of financials and loans for lending to self-employedcustomers.

Responsiblefor underwriting and building 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 100 Cr

MultipleFund Based and Non Fund based offerings

Coordinationwith CAD and Operations for case disbursement

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

• Underwritingtarget customer and understanding their working capitalrequirement
• Evaluateand assess whether collateral security is adequate.
• ImplementCredit policies and processes for WORKING CAPITAL in 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
• Ensurethe portfolio quality in excellent category through induction ofgood quality customers in WORKING CAPITAL
• Effectivelymonitor external risk by keeping a tab on macro level inputs,field issues and customer dynamics
• Identify,highlight and address emerging risks proactively along with therisk and compliance departments
• ConductPeriodic review of Portfolio Quality and Collection to takenecessary actions.
• Conductperiodic reviews with Credit Managers for driving desirablecredit performance
• 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 in the given region for building of a performingportfolio.
• Workwith Area Business Managers and Regional Business Managers foronboarding good customers, building quality portfolio, effectiveimplementation of Credit Policies and team management
• Engagewith vendors, FCU and other agencies to ensure productivity andcost control.
• 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.
• 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
• Monitorhealth of portfolio

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 eportees 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 regular 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
• Monitorperformance of staff against defined goals/metrics and takecorrective action wherever required; undertake disciplinary andattendance monitoring of the team.

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

• CAor MBA in Finance from a reputed college or B.Com, M.Com withrelevant experience

Qualifications

Experience

• Preferredexperience of 5-10 years or more in Credit Secured Loan productsin working capital limits and term loans.
• Experiencein Team Handling and Credit Risk Management

Certifications

• Relevantcertifications shall be an added advantage

FunctionalSkills

• Knowledgeof Underwriting of loans (Credit, product & process)
• Knowledgeof Documentation and Regulatory requirements
• Knowledgeof financial analysis, working capital gap & cash flowdetermination
• Evaluateand assess collateral security/collateral documentation adequatefor the lending
• Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, clear and purposeful language

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
• Performanceoriented
• Competentto handle MIS systems and Lending Software

KEYINTERACTIONS

INTERNAL

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

EXTERNAL

• Customersand Community
• Auditors
• OperationsManager, IT Manager and Service Quality Manager
• Vendorsand Consultants
• RecruitmentManager, State HR, Payroll Manager