LCM - Affordable HF

Intellectual Capital HR Consulting Pvt. Ltd.; Nagpur District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a senior leader to drive growth through robust credit management. You will assess creditworthiness, implement policies, and oversee a high-performing team ensuring portfolio quality and compliant processes.

You will coordinate with sales for business growth and liaise with external agencies to ensure timely reporting and risk mitigation. Strong leadership and communication are essential.

Qualifications

• Bachelor level degree with CA/CMA or MBA in Finance preferred.
• Strong understanding of credit risk assessment and underwriting practices.
• Experience in leading and developing credit teams and managing portfolios.

Responsibilities

• Drive business growth as a senior leader in credit management.
• Take ownership of creditworthiness analysis and risk assessment for borrowers.
• Implement and monitor credit policies, vendor management, and documentation.
• Lead and mentor a credit team to ensure timely turnaround and portfolio quality.
• Ensure regulatory compliance with RBI guidelines and internal audits.
• Monitor portfolios, analyze delinquencies, and flag early warning signals.
• Coordinate with external agencies and vendors for timely reporting.
• Partner with sales to support product growth with credit insights.

Skills

Leadership

Team Management

Analytical Skills

Communication

Attention to Detail

Regulatory Compliance

Policy & Procedures

Portfolio Monitoring

Vendor Coordination

Business Development

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.