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Regional Credit Manager SBL

Pune, Maharashtra

Ujjivan Financial Services Pvt. Ltd.

Job Description

JOB SUMMARY Underwriting of MSE loans i.e. Term Loans , Working Capital Loans. Monitoring of Portfolio of the Region. Manage Credit Team Ensuring Process and Policies are adhered to. Ensuring TAT is met for all activities related to credit. Suggest policy changes based on competition and customer needs. CO - ordinate with Distribution / Business , Operations , Audit etc. Ensuring timely hiring of manpower in the department. PRIMARY RESPONSIBILITIES Business Ensure Credit policy and process adherence in the region. Co - ordinate with Legal & Technical Agencies. Guide / Monitor Credit Manager / Assistant Credit Manager , Credit Officers. Ensure timely training to branches and back end staff. Proactive policy revisions in line with changing market conditions. Customer Carry out detailed business analysis and approve a loan / limit or enhancement of the same to the customers with the help of team. Ensuring success and growth of the product especially from Credit side by ensuring approval within TAT. Underwrite cases which come under RCM as per DOA. Internal Process Maintain portfolio quality as per company norms. Monitoring and tracking of Secured Loan cases. Hindsight check of loans disbursed. Develop and maintain various standard MIS for Secured Business Loan. Ensure various reports are being sent to stakeholders on monthly basis & at regular frequencies Appropriate Intervention to manage ground level risk effectively. Ensure adherence to RBI regulations on documentation and KYC compliance. Random customer visits Periodic loan monitoring as per the framework Provide Audit Compliance. Timely hiring of manpower for the region as per the budget Identify existing good resources that can be useful for Secured Business Loans. Identify and fix gaps. Key positions to be closed on priority. Learning & Performance Maintain up to date knowledge of SBL product. Upgrade self and team about changes happening in the market. Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives ROLE REQUIREMENTS Desired Qualification CA / MBA from a reputed college. Desired Experience Preferred experience of 7 - 8 years in Credit LAP / Mortgage Loans / MSME Loans Loan products. Team handling is a must. FUNCTIONAL KNOWLEDGE AND SKILLS (Knowledge and skills needed for satisfactory performance of the job) Knowledge of Credit in LAP / Mortgage Loans / MSME Loans including term loans and overdrafts Business Analysis Skills Communication Skills

Company Description

There were many microfinance institutions active in rural India, but very few served... India’s urban population. To bridge this gap, Ujjivan focused on the urban poor. This is a fast growing segment that is relatively new to India’s microfinance industry. Our surveys and interaction with the urban poor show that they are exposed to enormous contingencies and are required to share their meagre resources with neighbors, friends, relatives and colleagues. Hence, there is a tremendous amount of bonding and affinity among them. We have also found that, contrary to popular belief, the urban poor are a stable population. Therefore, the significant difference between the urban and rural population is the lack of time and availability of space in cities.  Read full description

Additional Information

Last updated:
Job type:
Full time
Position type:
Minimum experience:
Between five and ten years
Compulsory Education
Jobs in Banking / Financial Services
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