Credit manager- Business Loan (Diversity), Mumbai

CCU Credit Manager

Grade Eligibility

Senior Executive

Designation

CCU Credit Manager

Reporting to

CCU Head (Business Loans)

Location

Thane

Function

Risk

Job Purpose

The role incumbent will be responsible for end-to-end credit underwriting and disbursal of business retail loans.

Role

• Credit assessment and underwriting of Business loan applications based on product and policy norms – end to end from login to disbursal of loans
• Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials
• Disbursal of Business Loans including all checks and verifications
• Coordination with stakeholders, training of credit officers on processes and polices
• In-person meetings and discussions with clients
• Responsible for maintaining the processing TAT

Qualification & experience

• Years of experience – 1-4 years
• Mandatory Qualification – Chartered Accountant/ MBA in Finance

• Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios
• Should have worked in Business Loans / Secured Loans underwriting.

Essential skills

• Ability to work in unstructured and evolving situations with an open mind
• Work in large and varied teams and deliver individual requirements within the same

• Adhere to expected TAT without compromising on quality
• Taking of initiatives, strong execution skills, forward thinking ability to anticipate hurdles

• Ability to understand customer needs and be responsive
• Technology skills – understanding of and working with existing market technologies in the business industry