Credit Manager-Semi formal LAP

Ujjivan Small Finance Bank Ltd.; Mysuru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. seeks a Credit Manager-Semi Formal LAP in the MSME segment. The role involves underwriting large ticket loans, analyzing P&L and balance sheets, and assessing collateral while ensuring policy adherence and risk controls.

You will lead a small team, coordinate with legal/technical agencies, and contribute to process improvements and timely reporting across branches. Experience in MSME credit and financial analysis is essential.

Qualifications

• MBA in Finance from a reputed college; B.Com or M.Com with relevant experience.
• 2–3 years or more in Credit MSME Loan products (term loans + working capital).
• Knowledge of MSME credit including term loans and overdrafts.
• Financial analysis and cash flow determination expertise.
• Evaluate collateral security/collateral documentation adequacy for lending.
• Strong business analysis skills and effective communication.

Responsibilities

• Underwrite the target customer by self and supervise the team to build a performing portfolio.
• Evaluate various collateral types and ensure title/documentation requirements are met.
• Participate in collections to maintain low delinquency and ensure RBI-compliant documentation.
• Ensure adherence to credit policy and processes with timely reviews and updates.
• Coordinate with Legal & Technical agencies for quality credit reports.
• Engage with operations, risk, and IT teams to deliver timely credit decisions.
• Prepare periodic reports for stakeholders and support branch trainings.

Skills

Financial analysis

Cash flow

Collateral assessment

Business analysis

Communication

Education

MBA in Finance

B.Com / M.Com with relevant experience

Job description

POSITION DESCRIPTION

JOB TITLE : Credit Manager-Semi Formal LAP

GRADE : SM

DEPARTMENT : Credit

LOCATION : BRANCH

SUB-DEPARTMENT : MSME

TYPE OF POSITION : Full-time

REPORTS TO : Area Credit Manager LAP-MSME

REPORTING INTO

Credit Officer

ROLE PURPOSE & OBJECTIVE

• Expert knowledge of assessing credit risk for large ticket size cases up to Rs. 1 Cr.
• Conduct income appraisal of MSME borrowers. In depth understanding and analysis of P & L Account and Balance Sheet including cash flows of self-employed borrowers.
• Assess financial ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
• Provide Market intelligence from competition and customer’s stand point
• Recommendations on new processes & fraud Control initiative etc.

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Portfolio size of Rs. 200-300 Cr
• 10-15 vendors (legal, technical etc.)
• 1 product (secured)
• 25-30 files per month

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

• Business/ Financials (Only Relevant roles)
• Underwriting target customer by self and supervising the team to support for building of a performing portfolio.
• Evaluate various collateral types for their value and title documentation requirements
• Participate in collection of dues from customers to maintain low delinquency.
• Ensure Credit policy and process adherence by monitoring and timely review of processes and execution.
• Suggest Policy revisions in line with changing market conditions.
• Customer (Both Internal & External)
• Appraise various Customer segments in various for markets defined by the bank as area of operation for lending.
• Co-ordinate with Legal & Technical Agencies for quality and timely delivery of credit reports.
• Meet appropriate customers for understanding of their needs and Conduct underwriting and renewals for cases under purview
• Co-ordinate with functions like operations, FCU, risk, business and technology for effective delivery to end customers.
• Ensure various reports are being sent to stakeholders on monthly basis & at regular frequencies.
• Internal Process
• Time to time Intervention to manage ground level risk effectively.
• Full adherence to RBI regulations on documentation and KYC compliance.
• LUC and periodic loan monitoring framework
• Provide Audit Compliance.
• Timely hiring of Credit Officer for the location as per the budget
• Innovation & Learning
• Timely training to branches in the location.
• Maintain up to date knowledge of MSE and other related products.
• Upgrade self and team about changes happening in the market.
• Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives
• Perform on time appraisal and suggest suitable career paths for staff

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• MBA in Finance from a reputed college (B.Com, M.Com with relevant experience)

Experience

• Preferred experience of 2/3 years or more in Credit MSME Loan products in term loans and working capital limits.

Certifications

• NA

Functional Skills

• Knowledge of Credit in MSME Loans including term loans and overdrafts
• Knowledge of financial analysis & cash flow determination
• Evaluate and assess collateral security/collateral documentation adequate for the lending
• Business Analysis Skills
• Communication Skills.

Behavioral Skills

• Team Management Skills
• Leadership
• Possesses good interpersonal skills

KEY INTERACTIONS

INTERNAL

EXTERNAL

Regional Credit Manager, Area Credit Managers, Regional Business Managers, Area Managers, Product Managers, Credit Officers/CPA

Vendors & Consultants

Vigilance Managers, Legal Managers, Audit Manager, Risk Managers, Collection Manager

Customers and Community

Operations Manager, IT Manager and Service Quality Manager

Competitors & Other credit agencies

Recruitment Manager, State HR, Payroll Manager , Branch Manager & Accounts Manager

Auditors

PREPARED BY : Archit Sharma

DATE : 16 th April 2023

REVIEWED BY : Vaibhav Sinha

DATE : 17 th April 2023

LAST UPDATED BY : TM Team

DATE : 16 th May 2023