Area Credit Manager-MSE

Job description

POSITIONDESCRIPTION AREA Credit Manager-Formal LAP GRADE AVP-I DEPARTMENT Credit LOCATION RO SUB-DEPARTMENT Credit-MSME TYPEOF POSITION Permanent REPORTSTO RegionalCredit Manager REPORTINGINTO CreditManagers MSME ROLEPURPOSE OBJECTIVE • Implementrobust credit underwriting policies and processes for largeticket size MSME loans (up to 10 Cr) in the region and ensurethat the processes/policies are effectively managed on the field. • Conductincome appraisal of MSME borrowers. In depth understanding andanalysis of P L Account and Balance Sheet including cashflows of self-employed borrowers. • Ratioanalysis of financials and loans for short and long term lendingto self-employed customers. • Responsiblefor underwriting and building good quality secured portfolio. • Engagewith Risk committee to monitor credit risk and ensure Risk ismanaged proactively, involve in IDM (Inter Departmental Meeting),Risk Committee meetings, Audit closure meeting • Workclosely with Business and Collections team to manage collectionsin different buckets at the field • Managecost and productivity of team and vendors. SIZE OF THE ROLE FINANCIALSIZE NON-FINANCIALSIZE • Portfoliosize of Rs. 1000 Cr • 20-25vendors (legal, technical etc.) • 1product (secured) • 70-80files per month KEYDUTIES RESPONSIBILITIES OF THE ROLE Business/Financials (Only Relevant roles) • Underwritingtarget customer of affluent segment with detailed review • Evaluateand assess collateral security adequate for the lending. • ImplementCredit policies and processes for MSME Loans in the field • Implementnew policies, amendments and technology changes through propercommunication / training • Participatein collection of dues from customers to maintain lowdelinquency/Bounce Rate • Reviewand suggest policy and process changes based on the fieldunderstanding / feedback from the field team • Monitorand ensure Credit related Regulatory and Legal compliances arefollowed thoroughly by the key role holders in field • Ensurethat area surveys, cross checks, negative area reviews are donetimely along with Audit and Vigilance team • Ensurethe portfolio quality in excellent category through induction ofgood quality customers in MSME at the field level • Effectivelymonitor external risk by keeping a tab on field issues andcustomer dynamics • Identify,highlight and address emerging risks proactively along with therisk and compliance departments • Executestrict actions taken as per the Penalty Matrix for the fielddeviations. • ConductPeriodic review of Portfolio Quality and Collection to takenecessary actions. • Conductperiodic reviews with Credit Managers for driving desirablecredit performance • Prepareand monitor action plans for Poor and High Risk branches in MSME • Beupdated about the competition in the field and update themanagement on regular basis • Monitorcredit staff expenses across and ensure the same within thebudget Customer (Both Internal External) • Supervisingthe team spread in given area for building of a performingportfolio. • Workwith other Area Managers and Regional Business Managers foreffective implementation of Credit Policies and team management • Engagewith credit vendors, FCU and other agencies to ensureproductivity and cost control. • Workwith Business team, Audit team, Collection team and Risk team foreffective risk management • Engagewith Product Management Team for necessary changes in products asper the observations from the field • Engagewith Recruitment Manager for timely recruitment and induction ofnew employees • Engagebranch supervisors to understand the customer and field staffrequirements while framing the policies and processes • Ensurethat credit responds to Customers and branch staff queriesand issues timely. • Co-ordinatewith Business team, Collections team and Vigilance team foreffective collections management Location - Kolkata,Saguna,Patna,Nagar,Kamrup,Tamluk,Purba Champaran,Midnapore