Credit Manager

Piramal Finance
Work location
Mumbai
Salary
₹0 - ₹0
Type
Full Time
Category
CA,
Experience
4 - 6 Years
Skills

Job Views: 60

Job Applicants: coming soon

Posted: 512 Days ago

Key Skills

Job Description

  • Key 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 requiremen
  • 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

Roles & Responsibilities

as above

Your Skills and experience

Your Experience and qualifications

Chartered Accountant or MBA

  • 4 to 5 years of expereince in credit underwriting for used car loans
  • 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 liaise with internal stakeholders and regional teams
  • Strong customer focus and management of stakeholder expectations
  • Strong analytical & communication skills (written & verbal)

Company Details

About Company

Piramal Finance

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