LCM - Affordable HF

Intellectual Capital HR Consulting Pvt. Ltd.; Gurugram District; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Gurugram, India, seeks a senior leader to drive growth through prudent credit risk management. You will oversee a high-performing team, set risk policies, and ensure strict regulatory compliance while collaborating with sales to support product expansion.

The role requires a CA/CMA or MBA with B.Com, 4+ years in credit management, and strong analytical, communication, and leadership skills to manage portfolios and improve delinquency metrics.

Qualifications

• 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.

Responsibilities

• Creditworthiness Assessment and Management: Analyzing financial data and statements to determine creditworthiness and risk.
• Policy and Procedure Implementation: Establishing and monitoring credit management processes, including policies and documentation.
• Team Leadership and Development: Leading a team of credit managers, guiding and coaching to ensure TAT and portfolio quality.
• Regulatory Compliance and Reporting: Ensuring adherence to RBI guidelines and internal audits.
• Portfolio Monitoring and Analysis: Tracking deviations, analyzing delinquencies, and identifying early warning signals.
• Vendor and Agency Coordination: Coordinating with external agencies and vendors to resolve queries and submissions.
• Business Development and Support: Partnering with sales teams to achieve targets and support product growth.

Skills

Credit risk assessment

Team leadership

Regulatory compliance

Analytical skills

Communication skills

Attention to detail

Education

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

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.