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Area Credit Manager

Delhi, Delhi-NCR

Vitasta Consulting pvt ltd

Job Description

Job Title: Area Credit Manager

Degree of Travel required to: High within the city

Role directly reports to: Head of credit

Positions that report into this role: Credit Analyst

Essential Qualifications

Preferably CA/ ICWA/ MBA Finance / PG Commerce)

4-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME)

Deep experience & understanding of retail financial services across NBFCs, banking

Essential Skills & Experience

Knowledge of local market, property markets and trends in retail lending

Understanding of local business and micro economy

Ability to work under tight deadlines and to prioritize conflicting and changing priorities

Keen understanding and focus on risk, controls, compliance and regulatory framework

Ability to liase with internal stakeholders and regional teams

Strong customer focus and management of stakeholder expectations

Strong analytical & communication skills (written & verbal)

Ability to build, coach and mentor high performance oriented teams

Key Roles/Responsibilities:

Assessment of borrowers profiles, repayment capacity and income stability

Understand and interpret results of financial analysis, banking analysis and bureau reports

Analysis of all customer related information in line with credit & risk policy to check eligibility

Meeting and personal discussion (PD) with customers to understand their business, profile and loan requirement

Visiting business premise, property and residence of customer at the time of PD

Understanding of actual business income & expenses (other than reported income) of customer

Ability to understand customer business and requirement from their perspective

Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD

Study, analysis and interpretation of legal & technical reports of property

Study, analysis and interpretation of other internal check reports

Underwriting and sanction of Home loan/loan against property files sourced by sales team

Revert on post sanction conditions prior to disbursement based on queries raised by the team

Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix

Co-ordinate and communicate with different departments

Maintaining TAT as per guidelines and taking case to decision point

Minimal rework/errors as part of underwriting quality

Adherence to the policy/ process laid out by the Central team on all loan applications being processed

Close monitoring on non-starters/first EMI bounce trends

Audit compliance on all aspects stipulated by Head Office and regulatory compliance

Maintaining and reporting of various MIS to monitor portfolio performance and risk

Continuously improvise underwriting capability based on portfolio performance

Effectively manage & upskill the credit teams along with allocation of workload

Company Description

From big transnational corporations to fast growing SME's to fledgling start-ups... every corporate body is looking for top talent. All of these are keenly aware that the only real competitive advantage they can have and build in today's flat world is the "human capital".

We are servicing this need for many national and international clients across various domains. We have been helping find a large number of our clients quite a few leaders, functional experts as also emerging precocious talent since 1997.

We credit all our success to three things; customer centric work systems, unflinching belief in our corporate values and our synergy enhancing team. We see repeat business and referral as the operative driver of customer feedback.
For more details on us visit
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Additional Information

Last updated:
Job type:
Full time
Position type:
Minimum experience:
Two years
Compulsory Education
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