Credit Manager
Job details
Role - Credit Manager / Senior Credit Manager Location - Bangalore / Delhi About the Team: Credit team facilitates lending to existing & new clients by assessing creditworthiness, monitoring clients’ performance on a regular basis, and making suitable recommendations to the credit committees. The team is expected to do a deep dive financial analysis of customers, regularly meet / interact with the stakeholders of borrowers, keep regular track of key performance milestones, be cognizant of & follow internal policies & processes, and present findings / recommendations to internal committees in timely & concise manner. Key Responsibilities:
- Independently prepare comprehensive credit assessment (covering macro-overview, industry/sector, competitor, business, financial and credit analysis) of clients on continuous basis through desk review and on-field diligence and monitoring; keep a close watch on allocated portfolio clients. It also includes preparation of detailed proposal notes for internal circulation.
- Able to hold conversations and engage with clients’ senior management and present the clients’ credit profile to internal team and Credit Committee to support their decision making.
- Follow-up with the sales team, account relationship team and other concerned teams for new sourcing and renewal/review. Identifying early warning signs of credit deterioration, joint monitoring of portfolio with account relationship team based on early warning systems.
- Capable of forming a view and suggesting course of action with regards to exposures clients.
- Contribute to various firm-wide projects focused on improving technology, enhancing reporting, regulatory compliance etc.
- CA Fresher (2024) / 1+ years of relevant credit assessment experience in corporates.
- Structured credit/lending or portfolio/credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies.
- Experience in handling due diligence or transaction advisory.
- Be comfortable with numbers, analyzing financial statements, managing, and interpreting data and solving problems - to aid in credit underwriting.
- Have excellent report writing and communication skills.
- Possess a good eye for detail and have demonstrated ability to work under tight timelines.
- Be willing to travel extensively pan-India for on-field monitoring of clients.
- Ability to work proactively & independently as well as in a team environment.
- Deadline orientation; organized and responsible; high attention-to-details.
- Proficient in the use of MS Word, Excel and Power Point.
- Medical Care, Life and Personal Accident Insurance, Critical illness cover.
- Interest free loans of up to INR 10 Lacs, with no questions asked.
- Promoting health and wellness at the office with a well-equipped sports and recreation room, regular fitness challenges and organizing leagues of sports events.
- Caring for your health nutritious food, fruits served round the clock, variety of beverages, etc.
- Ensuring maximum fun environment through Vivriti Premier League – a 10-month long series of sporting contests, recreation activities on the floor, cultural celebrations, etc.
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