Credit Manager Job in Mumbai at Jai Kisan

Jai Kisan is hiring for the role of Credit Manager!

Responsibilities of the Candidate:

• Identifying Early Warning Signals for signs of stress in portfolio companies and working with the business team in devising appropriate mitigation strategies, wherever required. Ensuring understanding of the risks and opportunities for each credit exposure across the Portfolio.
• Working with the Head of Credit to monitor & update credit policy to optimize for company risk, profitability, and growth targets. You will ensure an effective credit risk management program is in place, by establishing the framework for risk management and driving consistent standards.
• Conducting ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts.
• Engaging with Credit Administration (operations), Legal, Audit, Compliance, Tech, and other stakeholders as appropriate for all credit processes.
• Creating CAMs & reports to be sent to be presented to CC Committees and the Lenders and ensuring that documents are consistent and uphold the Internal / Lender’s credit policies and standards.
• Leading a team of Credit Analysts and guiding them to drive efficiency and accuracy in the credit policies and credit assessments being carried out.
• Participating in discussions to present your ideas to the senior members and help them make balanced decisions.
• Mapping developments in the Rural Economy and understanding implications of the latest trends on the portfolio and credit decisions.
• Coordinating with a cross-functional team for product-level development and ensuring 100% digitization of the entire credit process.
• Adhering to the timelines and compliance as per the SOP and senior management.

Requirements: 

• CA or MBA in Finance from a premier Institute
• 3 to 5 years of experience in credit assessment/evaluation with Banks/NBFC/Start-ups/Credit rating agencies.
• Knowledge of Unsecured loan products i.e. Supply chain finance, Dealer Finance, business loans, etc. is mandatory
• Hands-on experience in Excel; you love working with numbers and are analytical in your approach toward any issue at hand.
• Ability to work under pressure in a high churning environment and deliver quality research output on time. You can work well in collaborative environments and can perform individually when required.
• You have a solid grasp of financial analysis and risk models.
• Good Analytical, Organizational, and Communication skills
• Currently managing a team of Credit analysts in Banks/NBFC/Fin-tech will be an added advantage