Job Description

Organizational ContextKey Aspects :- As a reputed finance company our clients offer specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 10 NBFCs of India, our client has made significant progress and the Company\'s balance sheet at INR 45,000 Cr plus exceeds that of several mid-sized Banks and NBFCs- Having focused traditionally on big ticket secured lending verticals and built a strong balance sheet on the same, our clients has now also ventured into personal loans Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield segment- Risk function is engaged in evaluating the credit worthiness of business entity/individual applicants by considering quantitative & qualitative factors like the client credibility, size of the client business, earnings of an individual, capital adequacy, liquidity and management qualityJob ContextKey Aspects :- To analyze personal loan proposals with the required due diligence and ensure that all information required to take a credit decision are captured in the proposal. - To ensure that all personal loan proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations. - To maintain stipulated TAT in credit appraisal process and co-ordinate with sales team for faster decisions to improvise TATs of the overall sanction process.- To ensure that the property risk & customer risks are managed.- Review and monitor quality of portfolio, PDD movements and Vendor management- Review the Audit queries and ensure such queries gets resolved and do get repeated in futureKey Challenges :- To ensure availability of data and information for exhaustive credit appraisals as each of the proposals has their respective structuring complexities as per the customer, product & regulatory requirements.- To build strong rapport with sales teams in order to elicit relevant and important information on customer profiles in order to mitigate risks- To ensure faster TATs for approval of credit proposals in a highly competitive & dynamic market.- To keep abreast with market/ regulatory/ product related insights and trends in order to enhance customer interactions and minimize credit or operational risks- To ensure that credit and customer risk are mitigated while pending documentation is monitored and regularizedEnabling Skill Sets & Qualifications :- Critical skill required for this role are a strong analytical acumen, evaluation skills, detail orientation & decision making skills.- The education & experience with minimum 2-4yrs of experience in credit and risk functions of Banks/ NBFCs Organizational Context (ref:updazz.com)

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