About This Role
This Credit Manager role involves scaling the company's MSME Loan, Machinery loans and Against Property (LAP) portfolio. The person will act as a financial gatekeeper, balancing business growth with risk mitigation. The role suits an analytical and risk-conscious professional.
Responsibilities
- Evaluate high-value LAP loan and Machinery loan proposals for MSME borrowers
- Analyze complex financial statements, tax audits, and cash flows
- Assess borrower repayment capacity through banking and GST analysis
- Conduct detailed risk assessments regarding industry and market trends
- Verify collateral valuation reports and legal vetting documents
- Detect and mitigate potential fraud risks through strict verification
- Align all underwriting decisions with corporate credit policies
- Ensure strict adherence to regulatory and compliance guidelines
- Monitor portfolio quality to minimize non-performing assets (NPAs)
- Maintain impeccable credit hygiene across all loan files
- Implement corrective actions based on internal audit findings
- Partner with Sales teams to understand client profiles
- Structure viable loan deals without compromising credit parameters
- Coordinate with Operations for timely and accurate loan disbursements
- Interact with credit verification agencies and legal vendors
- Present complex credit cases to higher sanctioning authorities
Requirements
- Minimum of 5+ years of experience in LAP or Machinery loan underwriting specifically
- Proven expertise handling MSME customer segments
- Graduate/Postgraduate in Finance, CA, or MBA Finance
- Strong understanding of collateral evaluation methods
- Deep knowledge of banking regulations and financial analysis
- Proficiency in loan origination systems (LOS) and credit software
- Excellent balance sheet analysis and ratio analysis skills
