LCM - Affordable HF

Intellectual Capital HR Consulting Pvt. Ltd.; Delhi; Presencial; INR 1 200 000 - 2 400 000; Tempo integral

Resumo da oferta

Intellectual Capital HR Consulting Pvt. Ltd. in Delhi invites applications for a senior credit management leader to drive growth and oversee a high-performing team.

You will assess creditworthiness, implement robust policies, ensure RBI-compliant reporting, monitor portfolios, and collaborate with sales to back product growth across a dynamic lending portfolio.

Qualificações

• Education: B.Com with CA/CMA, MBA (Finance) or equivalent.
• 4+ years' experience in credit management and secured loans underwriting.
• Strong analytical ability to interpret financial data and assess creditworthiness.
• Clear communication and negotiation skills for senior stakeholders.
• Leadership experience in managing a credit team.

Responsabilidades

• Drive business growth with a senior leadership approach across credit.
• Lead and develop a high-performing credit team; ensure timely TAT and portfolio quality.
• Perform creditworthiness assessment and risk-based decisioning.
• Implement and monitor credit policies, vendor management, and documentation.
• Ensure regulatory compliance and RBI guideline reporting.
• Monitor portfolios, analyze delinquencies, and flag early warnings.
• Coordinate with external agencies and vendors for timely reporting.
• Support sales teams with credit-related inputs for product growth.

Conhecimentos

Credit risk assessment

Policy implementation

Team leadership

Regulatory compliance

Portfolio monitoring

Vendor coordination

Business development support

Formação académica

B.Com + CA/CMA/MBA

Descrição da oferta de emprego

Role & responsibilities

Job responsibilities:

This is a senior leadership role responsible for driving business growth, managing a high-performing team.

• Creditworthiness Assessment and Management:Analyzing financial data and statements to determine the creditworthiness of individuals or firms and the associated risk in extending credit.
• Policy and Procedure Implementation:Establishing and monitoring processes related to credit management, including credit policies, vendor management and documentation.
• Team Leadership and Development:Leading a team of credit managers, providing guidance, training, and coaching to ensure TAT, portfolio quality and manage delinquencies.
• Regulatory Compliance and Reporting:Ensuring adherence to credit policies, regulatory guidelines (e.g., RBI regulations in India) and internal audit compliance.
• Portfolio Monitoring and Analysis:Tracking deviations, analyzing delinquent cases, and identifying early warning signals related to credit risk.
• Vendor and Agency Coordination:Liaising with external agencies (e.g., legal and technical agencies) and vendors to resolve queries and ensure timely report submissions.

Business Development and Support:Partnering with sales teams to achieve business targets and providing credit-related support for product growth.

Requirements :

Education:B. Com with CA/CMA, MBA (Finance) or equivalent degree.

Experience:Min 4 years plus experience in credit management, underwriting of secured loans.

Analytical Skills:The ability to interpret financial reports, analyze data, and assess creditworthiness.

Communication and Interpersonal Skills:Effective communication and negotiation skills for interacting with clients, colleagues, and senior management.

Leadership and Team Management:Strong leadership abilities to manage and motivate a credit team.

Attention to Detail:Precision and meticulousness to identify potential issues and avoid errors in financial data.