Area Credit Manager - Equipment & Leasing

Job Purpose

Direct Reports (Position Title)

Resources

1. The objective of the role is to ensure vigorous credit underwriting, monitor delinquencies, and enhance market intelligence. This involves preparing credit notes, conducting client visits, and analysing transaction risks. The role also includes identifying automation opportunities, minimizing audit queries, and staying updated on market practices to facilitate informed decision-making.

Direct: 3

Indirect Team Size (Onrolls): 3

Book Size: INR XX

Net interest income: 

Main Accountabilities

Qualifications & Experience

• Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent
• Minimum Years/type of experience: 5 - 9 years in Banks/FIs

Competencies:

• Speed
• Meritocracy
• Leadership Effectiveness
• Customer Focus
• Tech Quotient
• Sustainability
• Adaptability
• Influence
• Collaboration
• Integrity
• Resilience
• Agility
• Decisiveness
• Risk management
• Financial acumen

Functional Competencies

TCL shall populate as per the existing  grid

Key Decisions taken

•  Amendment of credit notes and financial models.
• Preparation of detailed credit notes.
• Interaction with collections and sales teams for delinquency tracking.
• Customer meetings for industry and market understanding.

• Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
• Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility
• Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team
• Meet customers (retail & strategic) at regular intervals to understand various industry & markets
• Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes
• Control & Monitoring of Post Disbursement Documents –Invoice, Insurance & RC by way of interaction with sales and customers 
• Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
• Working on projects/process improvements from time To time
• Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry
• Identify relevant and associated risk as aforementioned and to submit appropriate mitigate against each
• Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement
• Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants
• Detailed financial appraisal covering the business model, working capital cycle, profitability etc
• Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health
• Identify the automation opportunities in existing processes, new product development
• Quality of Credit Underwriting
• Raise early warning signals for exit of stress accounts and take due measures for timely exit
• Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
• Through market knowledge of CE /CV market practices
• Active involvement in customer visit 
• Regular MIS on market intelligence