Job Description :
Job Role:
As part of Credit team for HF.
The primary job of the credit manager is to understand:
Job Role:
As part of Credit team for HF.
The primary job of the credit manager is to understand:
-
- the business dynamics,
- products on offer,
- various segments to whom we lend,
- ensuring discipline in adherence to processes involved in credit buying
- Underwriting & making proposals of HF and other products as per location requirement
- manage the credit processing agent’s activities
- ensure systematic verification processes and coordinate with verification agencies
- be up to date on industries we lend and business environment in general,
- take appropriate credit decision,
- monitor the portfolio sourced,
- understand and interpret the portfolio quality
- interact with sourcing agents
- co-ordinate with internal and external auditors
- Managing delinquency of location
- Meet customers to evaluate their business mode
Job Requirements:
Excellent written and oral communication skills
- Qualification – CA /MBA Finance with relevant underwriting experience
- Job Knowledge –
o Good understanding of economy and implications of economic policies,
o dynamics of international economic events on Indian economy, industry and segments,
o understanding of functioning various industries / segments – cost matrix, competitors, laws applicable
o good understanding of financials to arrive at a decision on lending and recoverability of loans granted.
Skills & Experience – Ability to analyse news, information, change in laws, financial data and assess its future impact on the business of the loan applicant, segment / industry
- in which the applicant function, segment in which we operate. Generally strong analytical and futuristic intuitive skills are the need of the job
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