Job Title

Description- Credit Manager Moradabad SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES Strategic/ Managerial Responsibilities Discussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit Officer Assessment of Credit Proposal / Case for his respective location / region Presentation of key observations to Senior Management on periodic basis Managing a team & drive the results/ goals set for self & Team. Core Responsibilities • Assessment of credit proposal , Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal • Preparing CAM / Report which highlights the quality of information , which helps the decisioning of cases are senior level • Monitoring of delinquency, exceptions , portfolio movement. • Maintaining data as required by the Senior Management People Management or Self-Management Responsibilities • Active participation in process re-engineering related to product / process • Collaborate with business , OSD & Policy team for any change in the process/policy. • Self-driven, goal oriented & dynamic in nature. Risk and Internal Control Responsibilities • Identify the gaps in the process & highlights to the Senior Management • Suggestion for changes in Policy SECTION IV: KEY INTERACTIONS Key Internal Interactions Purpose of Interaction Business Team To interact with RM / CBL /RBL on day to day basis while cases assessment, monitoring delinquency Policy Team For clarification / guidelines as and when required Key External Interactions Purpose of Interaction Customers As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case SECTION V: KNOWLEDGE & EXPERIENCE KNOWLEDGE Minimum Qualifications • A CA/ MBA from a reputed institute Professional Certifications Language Skills • Written and spoken English is essential EXPERIENCE Years of Experience Minimum of 5 years of work experience in credit evaluation in a Bank (Not NBFC) Nature of Experience Credit Evaluation in any Bank/ Credit underwriting only for working capital product