Credit Manager Team handling

Intellectual Capital HR Consulting Pvt. Ltd.; New Delhi; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Delhi invites applications for a Credit Manager to oversee SME credit appraisals, prepare notes, and present proposals for approvals. The role requires strong financial analysis skills and effective communication with sanctioning authorities.

The candidate will manage a team of 3–4 professionals, ensure timely renewal of accounts, monitor portfolio risk, and align decisions with business needs while upholding policy standards.

Qualifications

• Chartered Accountant or MBA with finance focus is preferred.
• Excellent written and oral communication skills are required.
• Strong analytical skills and understanding of working capital products.

Responsibilities

• Prepare credit appraisal notes for SME clients.
• Handle ticket sizes up to 1 to 100 CR.
• Perform financial analysis to assess solvency, liquidity and repayment capacity.
• Present proposals to sanctioning forums and obtain approvals.
• Interact with approving authorities to provide information for decision making.
• Manage timely renewal of accounts and portfolio enhancement.
• Lead a team of 3–4 members.
• Monitor accounts and prepare monthly/quarterly reports.
• Escalate non-compliance with action plans and coordinate inspections.

Skills

Excellent communication

Analytical skills

Education

Chartered Accountant

MBA

Job description

Role & responsibilities

Role : Credit Manager

Department -SME

Reporting Relationships -Vice President Credit

Position Grade -Depends

Job Role:

• Preparation of Credit Appraisal notes forSME.
• Ticket Size Handled would be up to 1 to 100 CR.
• Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks 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 the credit / 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:

• Excellent written and oral communication skills
• Chartered Accountant/ MBA.
• Good analytical skills
• Good understanding of all the working capital products