Credit Manager-RELATIONSHIP BANKING GROUP-Credit

Job Role : Credit Manager for RBG

1. Detailed Job role

• Creditworthiness Assessment and Management:Analysing financial data and statements to determine the creditworthiness of individuals or firms and the associated risk in extending credit.
• Policy and Procedure Implementation:Establishing and monitoring processes related to credit management, including credit policies, vendor management and documentation.
• Regulatory Compliance and Reporting:Ensuring adherence to credit policies, regulatory guidelines (e.g., RBI regulations in India) and internal audit compliance.
• Portfolio Monitoring and Analysis:Tracking deviations, analysing delinquent cases, and identifying early warning signals related to credit risk.
• Vendor and Agency Coordination:Liaising with external agencies (e.g., legal and technical agencies) and vendors to resolve queries and ensure timely report submissions.
• Business Development and Support:Partnering with sales teams to achieve business targets and providing credit-related support for product growth.

1. JOB REQUIREMENT

• Education:B. Com with CA/CMA, MBA (Finance) or equivalent degree with experience in WC.
• Experience:Min 3 years experience in credit management especially WC with mid to high ticket exposure
• Analytical Skills:The ability to interpret financial reports, analyse data, and assess creditworthiness.
• Communication and Interpersonal Skills:Effective communication and negotiation skills for interacting with clients, colleagues, and senior management.