LCM - Affordable HF

Intellectual Capital HR Consulting Pvt. Ltd.; Kolkata District; Sur place; INR 1 200 000 - 1 800 000; Plein temps

Résumé du poste

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a senior leader to own the credit risk function, driving growth and managing a high-performing team.

The role focuses on credit assessment, policy implementation, and regulatory compliance, with a strong emphasis on delinquencies and portfolio quality. You will collaborate with sales to enable product growth while maintaining strict risk controls and RBI compliance, leading a credit team across portfolios and collaborating with external

Qualifications

• Bachelor's degree in commerce/finance with CA/CMA/MBA preferred.
• Minimum 4 years of experience in credit management and underwriting of secured loans.
• Strong analytical ability to interpret financial statements and assess creditworthiness.
• Excellent communication and negotiation skills for interacting with clients and senior management.
• Proven leadership to manage and develop a credit team.

Responsabilités

• Creditworthiness assessment and management: analyze financial data to determine credit risk.
• Policy and procedure implementation: establish and monitor credit policies and vendor management."
• Team leadership and development: lead a team of credit managers, provide training and coaching to ensure timely targets and portfolio quality.
• Regulatory compliance and reporting: ensure adherence to RBI guidelines and internal audits.
• Portfolio monitoring and analysis: track delinquencies, analyze cases, and identify early warning signals.
• Vendor and agency coordination: liaise with external agencies and vendors for timely reporting.
• Business development and support: partner with sales teams to achieve targets and provide credit support for product growth.

Connaissances

Analytical thinking

Communication skills

Leadership

Team management

Attention to detail

Formation

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

Description du poste

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.