Job Category: Manager
Job Type: Full Time
Job Location: Hyderabad
Job Company: Dvara E-Registry
Number of Position: 1
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.
KEY ACCOUNTABILITIES AND DELIVERABLES:
- 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.
Experience:
- 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
Knowledge/Skills required:
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