Credit Manager

Credit Underwriting & AssessmentConduct detailed credit appraisals for SME/MSME and unsecured loan proposals.Analyse financial statements, cash flows, bureau reports, banking behaviors, and risk factors.Prepare clear credit appraisal memos with risk insights and sanction recommendations.Timely disposal of cases assigned for underwriting.Portfolio & Risk ManagementMonitor portfolio health, identify early warning signals, and recommend corrective actions.Control delinquency and ensure risk exposures stay within defined limits.Track performance trends and support measures to reduce NPAs or deteriorate assets.Policy, Compliance & GovernanceEnsure strict adherence to internal credit policies, IFSCA guidelines, and regulatory norms.Suggest enhancements to underwriting frameworks and credit processes based on market conditions and risk experience.Preparation of New product framework which can be launched to meet client requirements under regulatory guidelines.Cross-Functional CollaborationWork with sales and business teams to balance risk and growth objectives.Coordinate with operations, legal, valuation partners, and auditors to support seamless credit processing.Ensure documentation meets internal standards and regulatory requirement.Field & Due DiligenceUndertake field visits and borrower interactions to validate business information and understand local market dynamics.Conduct proper due diligence as part of credit evaluation and risk validation.Reporting & DocumentationMaintain accurate credit records and prepare periodic MIS for leadership.Ensure documentation meets internal standards and regulatory requirements.