Regional Credit Manager - Bengaluru, India - CredRight

Description

CredRight Finance is a new age FinTech platform & NBFC, driven by an inspiring mission toempower Micro & Small Entrepreneurs [MSMEs] which do not have access to organized credit from financial institutions [like Banks and NBFCs].

With its Technology first approach, CredRight is providing customized loan offerings to MSMEs from Tier 2 to Tier 4 towns of India to achieve its Financial Inclusion mission.

Looking for regional credit Manager who has prior experience in Business Loan Under Writing Pre & Post Sanctioning Process, Team Handling, Credit Appraisal Unsecured Loans Process.

• Manage a Team of 1020 Credit & Operations Officers based out of the Hyderabad Office to ensure better productivity and quality.
• Supporting the Team in credit rating evaluation and underwriting processes of new business loan products.
• Mentor team for managing presanction diligence and postsanction monitoring of account
• Train the team of Credit & Operations Officers, provide them guidance in daytoday activities and monitor loan origination malpractices and frauds.
• Recruit, train & build a highperforming field Underwriting Team for ensuring the adherence of credit policies and processes.
• Verify the Business Loan underwriting process; loan appraisal, appraisal review, review of credit bureau reports and loan application along with KYC and other supporting documents submitted by Sales Managers.
• Recommend or Approve MSE loan proposals as per the product/policy and as per delegated powers.
• Provide suggestions on the MSE Business Loan appraisal system to make the process more efficient to minimize the risk and maximize the quality of the loan portfolio.
• Keep Industry and market changes in mind while recommending and approving cases. Generate market intelligence on emerging risks including competition in our markets.
• Assist Management to make loan portfolio quality analysis and share the findings with Regional and Area managers for taking required action to improve the quality.
• To monitor nonstarters/Cheque bounce trends, the incumbent will also be required to interact with the customers in the portfolio on an ongoing basis for creditrelated issues.
• Coordinate with Collection Team on recovery of loan delinquencies and ensure 100% loan recovery.
• Make regular Branch & Field visits and review the loan appraisals and sanctions made by the CPOs.
• Preparing dashboards with efficiency and productivity ratio analysis.
• To ensure Audit compliance and regulatory compliance for the location.

• The person should be a Graduate/MBA from a recognized institution with a minimum of 12+ years of experience in Credit Underwriting in Banks or NBFCs.
• Strong knowledge of the Credit Underwriting process and policy for business loans.
• Mandatory supervisory experience in Credit Management is a must.
• The candidate should have handled a team of at least 510 members.
• Should have handled Unsecured/Secured Business Loans of ticket s between 320 Lakhs.
• Excellent oral and written communication, with proven skills in consulting with internal business clients and external customers
• A versatile, dynamic candidate who demonstrates initiative, is resultsoriented, and flexible
• Strong leadership capabilities evidenced by the ability to gain the trust of, negotiate with, influence, and motivate a diverse group of stakeholders of varying levels
• Ability to drive change and improve the endtoend processes with a strong, proven track record in business process reengineering and systems analysis
• Should be able to speak and read Kannada & English Knowledge of Hindi will be an added advantage. )