Alliance Credit Manager

Alliance Credit Manager-Fintech

Corporate 1100-Corporate Office, Bangalore, Karnataka, India

• POSITION DESCRIPTION

• ROLE PURPOSE & OBJECTIVE
  
  

• The MSE lending business has partnered with various Fintech for digital lending. The role assists in the credit processing of applications received under this initiative.
• To ensure the timely decision as per agreed TAT.
• The laid down credit evaluation, credit underwriting, credit monitoring, EWS and ensure the policy laydown of processes must be executed.
• Co-ordination with the fintech partners for meeting the deliverables of the bank.
• Recommendations on new processes & fraud control initiative etc.
  
  

• SIZE OF THE ROLE
  
  

• Portfolio size of Rs. 100-250 Cr monthly contribution to be re-assessed with annual reviews.
  

• Fintech partners.
• Central and regional credit teams.
• Unsecured and Secured product offerings
  
  

• KEY DUTIES & RESPONSIBILITIES OF THE ROLE
  
  

• Underwriting target customer by self and supervising the team to support for building of a performing portfolio.
• Underwriting of Anchor/Corporate for which SCF program needs to setup
• Evaluate various collateral types for their value and title documentation requirements
• Participate in collection of dues from customers to maintain low delinquency.
• Participate with the Fintech Partners and ensure the due diligence happening on their end
• Support business with engagements with Fintech, technology companies in Digital lending domain for achieving targeted business numbers.
• Provide inputs to Policy/Product team to enhance policy as per latest trends & market performance
• Maintain the slippages and regular monitoring of the portfolio book
• Maintain the PDD, Delinquency and Case MIS
  
  

• To engage with stakeholders for process redesigning and automation in order to provide improved customer experience and consistency in decision making and faster TATs.
• Appraise various Customer segments in various markets defined by the bank as area of operation for lending.
• Co-ordinate with fintech partners and Agencies for quality and timely delivery of credit reports.
• Meet appropriate customers virtually or physically for understanding of their needs and Conduct underwriting and renewals for cases under purview
• Co-ordinate with functions like operations, FCU, risk, business and technology for effective delivery to end customers.
• Ensure various reports concerning the loan processing are being sent to stakeholders’ regular frequencies.
  
  

• Ensure Credit policy and process adherence by monitoring and timely review of processes and execution.
• Suggest Policy revisions in line with changing market conditions.
• Time to time Intervention to manage ground level risk effectively.
• Full adherence to RBI regulations on documentation and KYC compliance.
• Participating in Periodic loan monitoring framework design and implementation
• Provide participation in providing Compliance to audit or reviews conducted from time to time.
  
  

• Timely training to branches/CPA in the cluster.
• Maintain up to date knowledge of MSE and other related products.
• Upgrade self and team about changes happening in the market.
• Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives
• Perform on time appraisal and suggest suitable career paths for staff
  
  

• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
  
  

• Finance Graduate preferably CA or MBA in Finance from a reputed institution.
  
  

• Preferred experience of 8-12 years in Credit MSME Loan products in term loans and working capital limits.
  
  

• Product Management / IT certification is desirable but not mandatory
  
  

• Knowledge of Credit in MSME Loans including term loans and overdrafts
• Business Analysis Skills
• Communication Skills
• IT System handling Skills
  
  

• Team Management Skills
• Leadership
• Possesses good interpersonal skills.
  
  

• KEY INTERACTIONS
  

• Business and Product Head
• National Credit Manager MSME
• Manager Portfolio & Policy MSME
• National Manager
• IT and Digital Team teams
• Credit & Risk team
• Operations team
• Central credit team
• Central product team
  
  

• Digital partners – LSP and Fin techs
• Corporates, Distributors and Dealers
• LMS/LOS Service Providers
• Customers
• Other Agencies/Vendor