LCM - Affordable HF

Intellectual Capital HR Consulting Pvt. Ltd.; Ernakulam; On-site; INR 1,800,000 - 2,600,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a senior leader to drive business growth through robust credit management and risk assessment. You will manage a high-performing team, implement credit policies, and ensure regulatory compliance across portfolios.

The role focuses on underwriting secured loans, data-driven analysis, and collaboration with sales to achieve targets while maintaining portfolio quality and timely reporting.

Qualifications

• Candidate should hold B. Com with CA/CMA and/or MBA in Finance or equivalent.
• Minimum 4 years of experience in credit management and underwriting of secured loans.
• Strong analytical capabilities to interpret financial data and assess creditworthiness.
• Excellent communication and interpersonal skills for client and senior management interactions.
• Proven leadership to manage and develop a credit team.
• Attention to detail to ensure accuracy in financial data and risk assessment.

Responsibilities

• Creditworthiness assessment and risk evaluation for individuals or firms.
• Policy and procedure implementation related to credit management and vendor documentation.
• Lead and develop a high-performing team of credit managers.
• Ensure regulatory compliance and reporting aligned with RBI guidelines and internal audits.
• Monitor portfolios, analyze delinquencies, and identify early warning signals.
• Coordinate with external agencies and vendors for timely reports and queries.
• Partner with sales for business growth and provide credit-related support.

Skills

Credit risk assessment

Credit management

Underwriting

Financial analysis

Team leadership

Communication skills

Education

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

Job description

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.