– Underwriting MSME secured and unsecured loans up to 15 Lac for Mumbai Location.
– Manage the credit appraisal of loan applications/ scrutiny of relevant documents/ income statement, assessing credit worthiness of clients,
conducting a thorough risk analysis before sanctioning loans and disbursing loan amount, ensuring compliance with organization Credit manager also have to visit client office/factory for personal discussion to understand the business model before lending secured or unsecured loan credit
policies.
– Ensuring Each Credit Proposal/Application Comply with the Credit Policy.
– Ensuring TAT is met. Ensuring Quality of CPV and TVR reports.
– Regular check on sourcing and channels to check Frauds.
– Conducting Product and Process Training for In-house Team, DSA and Branch Executives.
– Initiating measures to ensure financial health of credit portfolio and minimization of Bad Loans.
– Maintaining Delinquency at 1% and Nil Non Starters (Bucket 0 to 1) for the Mumbai location.
– Ensuring Nil Audit queries Adapting and implementing systems and procedures to ensure maximum efficiency in operations.
