Credit Manager - Wholesale Underwriting

Ratnaafin Capital; Ahmedabad District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Ratnaafin Capital is seeking a Credit Manager Wholesale Funding to assess customers sourced by the Sales team per credit policy, determine deviations, and underwrite working capital, channel finance, and term loan cases across the region, including site visits. You will monitor accounts and stress indicators while collaborating with business teams to adjust credit policy as required.

Experience in SCF / Wholesale Funding, inventory finance or dealer finance in Banks/NBFCs, and end-to-end loan

Qualifications

• CA/CFA certification or equivalent.
• Experience as a Credit Manager in SCF / Wholesale Funding (Inventory Finance) / Dealer Finance in Bank / NBFC.
• Experience in end-to-end processing of loan proposals.

Responsibilities

• Assess customers sourced by Sales per credit policy and determine deviations.
• Underwrite working capital, channel finance, and term loan proposals in the mapped region including site visits.
• Monitor accounts and deferral tracking; identify stress and coordinate mitigation with business teams.

Skills

CA/CFA

SCF / Wholesale Funding

Bank / NBFC

End-to-End loan processing

Job description

Designation: Credit Manager Wholesale Funding

Roles and Responsibilities: -

Functional Requirements

• Responsible for assessing customers sourced by the Sales team in line with the credit policy, and
• determining deviations and exceptions.
• Handling credit underwriting of working capital / channel finance / term loans cases in the mapped
• region including visiting the customers.
• Ongoing monitoring of accounts, deferral tracking including tracking developments in the industry
• and the account to identify stress and work with the business teams / credit managers in devising
• appropriate mi ga on strategies wherever needed.
• Reviewing the portfolio monthly including analysis on the delinquent cases and suggest changes in
• current Credit policy.
• Managing the changes in Credit policy as per market requirement to maintain healthy portfolio
• quality.

Desired Skills: -

• CA/CFA.
• Experience as a Credit Manager in SCF / Wholesale Funding (Inventory Finance) / Dealer Finance in
• Bank / NBFC.
• Experience in End-to-End processing of loan proposals.