Credit Manager- SME & MSME

15th sept 2021
Have previous warehouse experience
  1. Location – Currently in Bangalore/NaviMumbai
  2. Work-ex – 5-6 years in Credit underwriting activities in Financial Services entity
  3. Educational Qualification – Minimum Graduate (full time)
  4. Skills/Specialization/Competency
  • Experience in Credit underwriting of Banks/NBFC Loan Company/Asset Finance Company is a must
  • Excellent financial analysis skills of small corporates, SME & MSME financing, and industry analysis
  • Ability to relate/co-relate information, findings during undertaking credit analysis
  • Familiar with early warning signals from credit risk perspectives and usage of relevant tools to identify/categorize customers for better & close monitoring based on the warning signals
  • Familiar with various credit analyses & risk management tools
  • Ability to motivate & handle a team


  1. Broad role requirement
  • Underwriting of small corporates, SME and MSME Agri project financing under Priority sector while analyzing overall risk & exposures of customers, risk assessment, internal/external rating, mitigants etc.
  • Assist in developing/developing credit appraisal memos, credit policies, manuals etc.
  • Assist in formulating & implementing Risk Control & Credit Management processes/strategies
  • Manage processing and disbursement of loans for the allocated portfolio
  • Act as internal Process Auditor and reviewer for SME/MSE/project advances
  • Manage allocated NPA and Overdue portfolios
  • Manage and monitor the post-sanction process of the allocated loan portfolio, including documentation, ROC charge creation, Mortgage execution, legal vetting of documents and disbursements etc.
  • At the post-approval stage, checking of collateral documents, Legal & Valuation report
  • Monthly/periodical monitoring and reporting of the overdue positions, recovery, limits utilization, AML alerts etc.
  • Assist in mapping business requirements & coordinating in developing & implementing processes in line with the present guidelines, lead and assist selected process initiatives
  • Monitoring the overall functioning of processes about the allocated portfolio, identifying improvement areas & implementing adequate measures to minimize credit risks
  • MIS updating and sharing daily for the entire underwriting team for all products
  • Coordination with the sales team of the various region to resolve the discrepancy

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