LCM - Affordable HF

Intellectual Capital HR Consulting Pvt. Ltd.; Mumbai; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a senior credit leader to drive business growth while managing a high-performing team in a dynamic environment.

The role focuses on creditworthiness assessment, policy implementation, regulatory compliance with RBI guidelines, and proactive portfolio monitoring to mitigate delinquencies while supporting sales in product growth.

Qualifications

• B.Com with CA/CMA or MBA (Finance) or equivalent degree.
• Min 4 years in credit management and underwriting of secured loans.
• Ability to interpret financial reports and assess creditworthiness.
• Strong communication and negotiation skills with clients and senior management.
• Leadership abilities to manage and motivate a credit team.

Responsibilities

• Creditworthiness assessment and risk evaluation for credit extensions.
• Policy and procedure implementation for credit management and vendor oversight.
• Lead a team of credit managers, provide training and coaching.
• Ensure regulatory compliance with RBI guidelines and internal audits.
• Portfolio monitoring, analyze delinquencies and identify early warning signals.
• Coordinate with external agencies and vendors for timely reporting.
• Support business development by providing credit-related assistance to sales.

Skills

Analytical skills

Communication skills

Leadership

Attention to detail

Education

B.Com with CA/CMA or MBA in Finance

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.