Area Credit Manager

Muthoot Fincorp Limited

Chennai

Not disclosed

Work from Office

Full Time

Min. 5 Years

Job Details

Job Description

REGIONAL CREDIT MANAGER - ANCHOR ONBOARDING

  • Reviewing of anchor companies / anchor programs (vendor /dealer finance anchor programs) for deep tier Supply Chain Finance vertical 
  • Responsible for analysing the Anchor Company / Fintech partners with the required due diligence and to ensure that all information required to take a credit decision is captured. This would involve understanding the anchor's business model, financial analysis, management and industry analysis. 
  • Discuss with anchors for better understanding of their business credentials, ensuring timely movement of cases 
  • Underwriting / devising risk framework of Supply Chain Finance Anchor programs. 
  • Recommend quality anchor programs thereby ensuring good quality portfolio and minimal level of NPAs 

 

  • Monitoring of various anchor program review triggers for existing anchor program and ensure compliance with the set parameters. Highlighting those case where the trigger is breached to the senior management 
  • Portfolio monitoring of Anchor programs to identify Early Warning Signals. 
  • Conduct detailed analysis of delinquencies and recommend changes in Anchor program  
  • Ensure that the anchor renewal proposal is compliant with the stipulated conditions at the time of previous sanction 
  • Building an Underwriting model for NTC population for a banking partner based on transaction data
  • Responsible for ensuring sound understanding of credit policy across all relevant levels.

 

 

  • Keeping updated on the various changes in economic scenario / sectoral changes, negative news /updates on anchor Company financial performance / changes in external rating etc. 
  • Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
  • Highly Specialized role – By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.
  • To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency
  • Product knowledge at market level and market segmentation is necessary.
  • At least 5 years of experience in business banking with prior experience in supply chain finance 

Job role

Work location

ANNA SALAI - CHENNAI

Department

Banking / Insurance / Financial Services

Role / Category

Lending Operations

Employment type

Full Time

Shift

Day Shift

Job requirements

Experience

Min. 5 years

About company

Name

Muthoot Fincorp Limited

Job posted by Muthoot Fincorp Limited

Apply on company website

Follow us on social media


© 2024 Apna | All rights reserved Privacy Policy Terms & Conditions