Senior ACM/RCM (EML)

Profectus Capital; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Profectus Capital is looking for an Area Credit Manager specializing in MEF/SFP loans based in Mumbai, India. This role requires underwriting medical equipment and school funding cases while ensuring adherence to credit policies.

The ideal candidate should have 8–15 years of credit underwriting experience and hold a Chartered Accountant or MBA in Finance. Excellent analytical and communication skills are essential. Key responsibilities include maintaining Credit TAT, managing credit costs, and industry analysis.

Qualifications

• Minimum 8-15 years of Credit Underwriting Experience.
• Good financial analysis skills are desirable.
• Knowledge of computer applications preferred.

Responsibilities

• Underwrite MEF & SFP loan cases.
• Maintain Credit TAT and quality.
• Monitor Delinquency and NPA levels.

Skills

Credit Underwriting Experience

Excellent Analytical skills

Communication and Presentation skills

Positive, pro-business attitude

Education

Chartered Accountant / MBA (Finance)

Job description

Position –

Area Credit Manager – MEF/SFP loans

Reporting to –

NCM / RCM

Specific Responsibilities –

• Underwriting of MEF & SFP (medical equipment/machinery funding, School funding) cases
• Make optimal use of the Loan Origination System and Loan Management system
• Maintain Credit TAT
• Manage Credit Underwriting as per policy
• Monitor Delinquency and NPA to budgeted levels for the product
• Manage Credit Cost as per approved budgets
• Give feedback to Credit Policy based on experience of underwriting
• Data Slicing/ Analysis and publishing of the reports
• PDD monitoring
• Industry Analysis

Key Performance Indicators –

• TAT
• Portfolio Quality
• Quality of Appraisal
• Cost Management
• Implementation of Processes

Internal –

Sales, Credit Underwriting team, HR, Admin, IT

External –

Customers, Agencies

Experience –

Credit Underwriting Experience of minimum 8-15 years

Technical Competencies –

• Positive, pro-business attitude
• Excellent Analytical skills
• Communication and Presentation skills
• Product knowledge
• Ability to understand asset type and its viability
• Ability to read and understand legal and technical reports and valuations related to properties financed by the company

Personal Attributes –

• Presentation Skills
• Communication Skills
• Analytical Skills
• Sincere
• Liasonsing skills

Formal Qualification –

Chartered Accountant / MBA (Finance) Mandatory

What is mandatory & Desirable –

• Good communication skills
• Good Financial Analysis Skill
• Knowledge of Computer Applications