Area Credit Manager - Credit

About This Role

This Area Credit Manager role focuses on credit analysis, portfolio monitoring, and proactive participation in deal structuring to balance business growth with portfolio quality. The position involves regular interaction with new and existing customers to facilitate faster deal closures and identify early warning signals of stress in accounts.

Responsibilities

• Perform credit analysis of proposals and prepare credit notes
• Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement
• Strike a balance between business growth and portfolio quality
• Meet new customers and existing customers on a regular basis
• Monitor the portfolio on a regular basis
• Identify stress in accounts (early warning signals) and initiate corrective measures
• Ensure continuous monitoring for all high-value exposures in the region
• Develop good market intelligence through regular interactions with competitors, key business groups, and CA firms
• Raise early warning signals for exit of stress accounts and take due measures for timely exit
• Ensure minimal audit queries including RBI and statutory audits and resolve them within prescribed timelines

Requirements

• Quality of credit underwriting
• Portfolio performance with respect to delinquencies, deferrals, annual reviews/renewals
• Portfolio monitoring

Important Details

• Major Deliverables: Quality of credit underwriting; Portfolio performance with respect to delinquencies, deferrals, annual reviews/renewals; Portfolio monitoring; Development of good market intelligence; Raising early warning signals for stress accounts and timely exit; Minimal audit queries and timely resolution