Credit Underwriting & Assessment
- Conduct detailed credit appraisals for SME/MSME and unsecured loan proposals.
- Analyse financial statements, cash flows, bureau reports, banking behaviors, and risk factors.
- Prepare clear credit appraisal memos with risk insights and sanction recommendations.
- Timely disposal of cases assigned for underwriting.
Portfolio & Risk Management
- Monitor portfolio health, identify early warning signals, and recommend corrective actions.
- Control delinquency and ensure risk exposures stay within defined limits.
- Track performance trends and support measures to reduce NPAs or deteriorate assets.
Policy, Compliance & Governance
- Ensure strict adherence to internal credit policies, IFSCA guidelines, and regulatory norms.
- Suggest enhancements to underwriting frameworks and credit processes based on market conditions and risk experience.
- Preparation of New product framework which can be launched to meet client requirements under regulatory guidelines.
Cross-Functional Collaboration
- Work with sales and business teams to balance risk and growth objectives.
- Coordinate with operations, legal, valuation partners, and auditors to support seamless credit processing.
- Ensure documentation meets internal standards and regulatory requirement.
Field & Due Diligence
- Undertake field visits and borrower interactions to validate business information and understand local market dynamics.
- Conduct proper due diligence as part of credit evaluation and risk validation.
Reporting & Documentation
- Maintain accurate credit records and prepare periodic MIS for leadership.
- Ensure documentation meets internal standards and regulatory requirements.
