Credit Manager Pune/Nagpur/Delhi

Intellectual Capital HR Consulting Pvt. Ltd.; Ernakulam; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in India seeks a Credit Manager to oversee SME lending. You will prepare credit appraisal notes, analyze financials, and assess solvency and repayment capacity, presenting proposals to sanctioning forums.

You will lead a team of 3–4, ensure timely renewals, monitor risk per sanctioning authority, and prepare monthly/quarterly portfolio reports while engaging with business teams for informed decisions.

Qualifications

• Chartered Accountant or MBA with strong analytical ability.
• Good analytical skills and understanding of working capital products.

Responsibilities

• Prepare credit appraisal notes for SME customers.
• Conduct financial analysis to assess solvency, liquidity and repayment capacity.
• Present proposals to sanctioning forums and obtain approvals.
• Interact with approving authorities and provide information for decision making.
• Renew accounts timely and manage portfolio expansion.
• Align risk decisions with business needs while adhering to policy.

Skills

Credit analysis

Financial analysis

Analytical skills

Education

Chartered Accountant

MBA

Job description

Role & responsibilities

Role : CreditManager

Department -SME

Reporting Relationships -Vice President Credit

Position Grade -Depends

Job Role:

PreparationofCreditAppraisal notes forSME.

• Ticket Size Handled would be up to 1 to 100 CR.
• Creditappraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes,creditchecks etc.
• As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.
• To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of thecredit/ economic developments.
• Manage and ensure timely renewal of accounts and enhancement of portfolio
• To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the businessteams.
• TeamHandling3 – 4 people
• Discuss with business on Terms and Conditions for risk assessments
• Discuss with customers for obtention of information for preparation of CRANs.
• Monitor the accounts based on the terms stipulated by Sanctioning Authority.
• Prepare Monthly/Quarterly Monitoring Reports for the portfolio.
• Escalate with action plan for non compliances.
• Visit the units and submit inspection reports.
• Manage and address any escalations related to risk assessments

Job Requirements:

• Chartered Accountant/ MBA.
• Good analytical skills
• Good understanding of all the working capital products