Job Description
Job Title: Regional Credit Manager - Mumbai
Location: Mumbai
Reports To: Zonal Credit Manager/ National credit manager
Age Limit: Maximum 35 years
Qualifications:
• Chartered Accountant.
• At least 7 years of experience in SME LAP.
• Minimum 3 years of experience in a supervisory role.
• Proven experience in managing a team.
Key Responsibilities:
Credit Policy and Underwriting:
• Apply and suggest improvements in credit and underwriting policies and processes.
• Develop and deploy underwriting models to enhance efficiency and effectiveness.
• Ensure the infrastructure supports these models effectively.
Portfolio Management:
• Conduct comprehensive portfolio studies of the outstanding advances portfolio.
• Lead credit tightening initiatives to control delinquencies while maintaining business profitability.
• Balance risk and reward across various products within the zone.
Credit Risk Strategy:
• Maintain and update credit risk strategy and policy through continuous analysis of business and collection trends.
• Conduct risk assessments and implement mitigation strategies.
• Ensure the credit policy is in alignment with the overall business goals.
Policy Review and Competitor Analysis:
• Regularly review and update credit policies in line with business objectives.
• Stay informed on competitor policies and practices to maintain a competitive edge.
Reporting:
• Prepare comprehensive Risk & Credit Decks on a monthly basis for the zone.
• Provide insightful analysis and recommendations based on these reports.
Relationship Management:
• Develop and maintain strong relationships both internally and externally.
• Foster a collaborative environment to ensure smooth credit operations.
Team Guidance and Development:
• Ensure a thorough understanding of credit policies across all relevant levels within the team.
• Provide guidance and support to the team to enhance their performance and understanding.
Market Knowledge:
• Maintain up-to-date knowledge of the market and product segmentation.
• Use this knowledge to inform credit strategies and decisions.
Key Skills and Attributes:
• Strong analytical and decision-making skills.
• Excellent leadership and team management capabilities.
• In-depth understanding of credit risk management and mitigation.
• Proficient in developing and implementing credit policies.
• Ability to conduct detailed portfolio analysis.
• Strong communication and interpersonal skills.
• Up-to-date with market trends and competitive practices.
Location: Mumbai
Reports To: Zonal Credit Manager/ National credit manager
Age Limit: Maximum 35 years
Qualifications:
• Chartered Accountant.
• At least 7 years of experience in SME LAP.
• Minimum 3 years of experience in a supervisory role.
• Proven experience in managing a team.
Key Responsibilities:
Credit Policy and Underwriting:
• Apply and suggest improvements in credit and underwriting policies and processes.
• Develop and deploy underwriting models to enhance efficiency and effectiveness.
• Ensure the infrastructure supports these models effectively.
Portfolio Management:
• Conduct comprehensive portfolio studies of the outstanding advances portfolio.
• Lead credit tightening initiatives to control delinquencies while maintaining business profitability.
• Balance risk and reward across various products within the zone.
Credit Risk Strategy:
• Maintain and update credit risk strategy and policy through continuous analysis of business and collection trends.
• Conduct risk assessments and implement mitigation strategies.
• Ensure the credit policy is in alignment with the overall business goals.
Policy Review and Competitor Analysis:
• Regularly review and update credit policies in line with business objectives.
• Stay informed on competitor policies and practices to maintain a competitive edge.
Reporting:
• Prepare comprehensive Risk & Credit Decks on a monthly basis for the zone.
• Provide insightful analysis and recommendations based on these reports.
Relationship Management:
• Develop and maintain strong relationships both internally and externally.
• Foster a collaborative environment to ensure smooth credit operations.
Team Guidance and Development:
• Ensure a thorough understanding of credit policies across all relevant levels within the team.
• Provide guidance and support to the team to enhance their performance and understanding.
Market Knowledge:
• Maintain up-to-date knowledge of the market and product segmentation.
• Use this knowledge to inform credit strategies and decisions.
Key Skills and Attributes:
• Strong analytical and decision-making skills.
• Excellent leadership and team management capabilities.
• In-depth understanding of credit risk management and mitigation.
• Proficient in developing and implementing credit policies.
• Ability to conduct detailed portfolio analysis.
• Strong communication and interpersonal skills.
• Up-to-date with market trends and competitive practices.
💡 Quick Summary
Seeking a career-building opportunity? The Regional Credit Manager position is now open for candidates interested in the Accountant Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Accountant Jobs is a plus.
