Credit manager - msme

Role & responsibilities
1. Credit Appraisal & Underwriting
Assess MSME loan proposals including LAP, Micro LAP, HL for Self-Employed, and Business Loans.
Conduct detailed financial analysis of:
ITRs, GST returns, bank statements
Balance sheets & P&L statements
Cash flow assessment & surrogate income programs
Evaluate business stability, repayment capacity, and industry risk.
Recommend deviations with proper justification as per policy matrix.
Maintain TAT as defined by credit policy.
2. Risk Assessment & Due Diligence
Conduct personal discussion (PD) with applicants.
Assess collateral security & property valuation reports.
Coordinate with Legal, Technical for report validation.
Identify early warning signals and mitigate credit risk.
3. Portfolio Monitoring
Track disbursed cases and monitor early delinquency trends.
Support collections team for high-risk accounts.
Ensure portfolio quality within defined bucket norms.
4. Policy & Compliance
Ensure adherence to internal credit policies and regulatory guidelines
Maintain proper documentation and audit trail.
Support internal and external audits.
5. Business Support
Coordinate with Sales/Branch team for structured proposals.
Provide guidance to sourcing team on policy and documentation.
Participate in training for updated credit norms.
Preferred candidate profile
Strong knowledge of MSME financial analysis
Understanding of banking products & collateral-based lending
Good understanding of property-backed loans
4+ Years of experience in Credit