Area Manager- Credit Analyst INTERNAL USAGE: No. of Vacancies: Reports to: Regional Manager- Credit Analyst Is a Team leader Y Team Size: 7-10 Grade: M/SM Business: Bharat Banking Department: Bharat Enterprise Sub - Department: Nano Business Location: About This is new vertical in Bharat Banking-Bharat Enterprise. This vertical specially caters to credit needs of Nano business enterprises wherein the credit requirement both secured and un-secured in between 1-20 Lakh. About the Role The Area Manager-Credit Analyst is responsible for managing a team of Credit Analyst responsible for credit and income assessment as per prescribed parameters for the leads generated by Sales Team for Nano Business loan. The Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bank. The role will be taking care of 2-4 districts of state based on the portfolio size Key Responsibilities Ensure the verification process is compiled within expected TAT with first time right approach Ensure Credit Analyst are trained on the policy and processes Ensure correctness of credit note prepared by Credit Analyst as per banks policy Imparting training to Sales Officer/Manager for quality sourcing Fraud risk management Managing compliance on documentation Manage early delinquencies to ensure portfolio performance Keeping regular track of competition and reporting new products/market development/Legal risks/ Political Risks/Local demographic issues Periodic visits of customers and cross checking of sourcing quality/ loan utilization Adhering to the banks policies and ensuring compliance of the same. Qualifications Optimal qualification for success on the job is: Education: Graduation/Post Graduation Maximum Age: 35 Years Experience: 3-7 Years of experience in verification/PD bases assessment of customer in Bank or NBFC for- Nano/Micro Business Loans/ Small ticket LAP/ Self-employed PL/ AHL o Good understanding of Micro/Small unsecured Business loan, Affordable housing or Small ticket LAP Role Proficiencies: For successful execution of the job, a candidate should possess the following: Knowledge Good knowledge of field level operations and systems Experience in assessed business income is must. Should have knowledge on o Local market understanding o Understanding on Bank statement o Repayment record assessment o Working knowledge of property valuation in local market o Working knowledge of Legal related documentation Skills Good leadership skills Good communication (both verbal & written) and inter-personal skills Time management Abilities Ability to work effectively across functions Ability to work as a part of team and contribute towards team goals
