Manager-Credit and Policy

JOB PURPOSE :

• Responsible for credit underwriting and monitoring of the lending portfolio.
• Formulation & implementation of underwriting strategy and policy (especially in the areas of Agri loans/farmer finance / retail loans/ MSME).
• He / She is responsible for the smooth functioning of the Credit writing activities and hence managing the portfolio quality and also ensures adherence to the processes.
• Work closely with business, tech, operations and product for devising the credit and compliance strategy.

• Creating process notes for the credit underwriting
• Establishing a robust Credit Analytic Framework and formulate a credit risk process for the lending segment.
• Interact with cross-functional teams and drive the credit policy agenda and ensure correct implementation of credit policy guidelines in the origination and decisioning platforms.
• Analyzing the market trends/practices and benchmarking of policies with the market.
• Responsible for establishing proper risk management standards for the portfolio and facilitating business team in identifying early warning signals and analyzing quick mortality cases.
• Underwriting of policy-related deviations for the product and proposing policy renewals on a timely basis.
• Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control.
• Work closely with business, technology, operations and research teams to gather the underwriting requirements.

• Should Mandatorily have exposure Working In NBFCS and Banks.
• 4 – 6 years of overall experience in the Banking or financial services industry
• 3 – 4 years of experience in credit underwriting, especially in the areas of Farmer Finance or Agribusiness or Rural Business / Financial Services sector

Excellent writing/ presentations skills are mandatory

• Excellent in MS Office products, especially Excel and PowerPoint
• Knowledge of Product formulation and management
• Team Management
• Good industry network to understand the methods being adopted by other NBFCs / banks.
• Strong organizational, managerial and project management skills
• Excellent interpersonal, verbal and written communication skills
• Ability to multi-task