Regional Credit Manager - Construction Finance

SkillLabs; Delhi Charter Township (MI); Presencial; USD 90.000 - 130.000; Jornada completa

Descripción de la vacante

SkillLabs seeks a Regional – Credit – Construction Finance professional in the Delhi area to lead credit risk and underwriting for CF deals. You will drive portfolio quality, ensure policy adherence, and collaborate with operations on disbursal while meeting monthly and annual targets.

The role requires a Post Graduate/CA/ICWA/MBA and deep knowledge of builder markets, collateral norms, regulatory CF guidelines, and strong team leadership.

Formación

• Post Graduate/CA/ICWA/MBA
• Not above 45 years
• Credit risk analysis for CF
• Sound knowledge of builder market and CF underwriting
• Escrow, audit and risk management for CF portfolio

Responsabilidades

• Manage credit and risk functions for areas/locations assigned
• Process and underwrite CF deals per credit policy
• Maintain defined TATs for approval
• Facilitate business team to achieve monthly/annual targets
• Ensure adherence to credit policy and processes, TAT, PD and fraud risk management
• Provide inputs on credit policy and market feedback
• Maintain Portfolio Quality & collections, delinquency and NCL management
• Visit builder sites/client sites and report on project completion/sales velocity etc.
• Coordinate disbursal and PDD process with Operations
• Manage vendor TATs and visits and payments
• Hire credit resources per manpower budgeting and attrition management
• Ensure audit and regulatory compliance for location
• Coordinate training for credit/sales team
• MIS management/Audit for CF segment
• Complete adhoc projects as required

Conocimientos

Credit risk analysis

CF underwriting

Escrow mechanisms

Audit risk management

Portfolio management

Financial analysis

CF regulations

Collateral knowledge

Legal framework CF

Team management

Case management

Communication skills

Presentation skills

Local market network

Educación

Post Graduate/CA/ICWA/MBA

Descripción del empleo

Job Title : Regional – Credit – Construction Finance

Job Description

Job Title : Regional – Credit – Construction Finance

Band / Grade: 3

Reporting To : Lead Credit – LAP & CF

Department : Corporate Finance – Construction Finance

Locations hiring for: Delhi.

Responsibilities For The Job

• Managing overall credit and risk functions for the areas/locations assigned to him/her
• Responsible for processing and underwriting of CF (Construction Finance) deals as per credit policy
• Maintaining defined TATs for approval
• To facilitate business team, achieve monthly/annual business targets
• To ensure adherence to credit policy and defined processes, TAT management, PD management, CAM quality and Fraud Risk Management
• Inputs for designing and implementation of credit policy and programmes, new initiatives, periodical changes in credit policy and programmes based on the inputs provided by sales team and market feedback, providing inputs on product and policy being followed by competitors in the market
• To maintain the Portfolio Quality & being responsible for collections, delinquency and NCL management.
• Visit Builder Sites/Client Sites and prepare and submit report on project completion /sales velocity/ client’s business activity/neighbour/customer feedback etc.
• Responsible for PDD monitoring and collateral management
• Coordination with Operations team for disbursal and PDD process
• Monitoring and management of different vendors viz. Legal Agency, Valuation Agency, CPV Agency, FCU Agency, ROC Search Agency or Stock Audit Agency & other agencies as required.
• Vendor TAT management, Vendor Visits, Vendor payments management
• Hiring of credit resources as per manpower budgeting, attrition management and performance management
• To ensure audit compliance and regulatory compliance for his location/area
• To take reference checks for prospective borrowers from market links and existing lenders
• Coordinating for training programs for credit/sales team, imparting induction training for their subordinates
• MIS management/Audit Management for CF Segment

Other Responsibilities (If Any)

• To ensure completion of adhoc projects as and when required.

Eligibility Criteria for the Job

Education

Post Graduate/CA/ICWA/MBA

Age

Not above 45 years

Primary Skill

Credit Risk Analysis for CF

Sound knowledge of builder market, CF underwriting, escrow mechanisms , management, credit ops management, maintaining robust audit and risk mechanism of CF Portfolio and other segments of SME Select vertical

Sound Local Market Feedback/Network

Local language proficiency for main language used in region

Technical Skills

• Ability to understand financial products and associated risks
• Financial Analysis/Business Model Understanding
• Understanding of regulatory norms primarily in the CF business
• Knowledge of types of collateral, their acceptability as security and valuation norms for them
• Knowledge of Legal and related framework for the CF segment

Management Skills

• Team Management
• Ability to guide the team of credit analysts for day to day activities
• Engaging with CH/SRM/ASM for effective case/ deal management
• Being proactive in portfolio/delinquency management issues for the vertical

Soft Skills

• Presentation skills for taking a credit proposal forward to committee/approving authority
• Communication skills for better management of team and handling escalations