Credit Manager - Chandigarh

Job Title: Manager Credit

Company

Credila Financial Services Ltd

Location

Chandigarh

Department

Credit

Travel

Occasionally

About the Company

Credila Financial Services Limited (Formerly known as HDFC Credila Financial Services Limited) is one of India’s largest education loan non-banking financial companies (NBFCs) offering education loans to Indian students. With an in-depth understanding of the higher education domain in India as well as overseas, Credila offers tailor-made education loan solutions that help enable students to be financially equipped to pursue their education at their dream university and country of study. Since inception, Credila has funded 178,000+ Indian students across 63 countries in 4,600 institutes.

Key roles and responsibilities

Maintaining Credit Quality as desired by the Senior Management

ü  Credit Appraisal Underwriting – Maintaining quality of appraisal and TAT for decisioning of the case

ü  Meeting the loan borrowers and the applicants for personal interaction based on the risk profile of cases.

ü  Basic knowledge of banking

ü  Training – provide training to internal team members and intra departments/ channel partners

ü  Preliminary screening of borrower’s profiles for maintaining the input quality of credit system.

ü  Process and Policy Understanding and Implementation

ü  First level document check for fraud prevention, data correction and information completeness.

ü  Managing Delinquency ratios

ü  Vendor Management

ü  Knowledge of Mortgage Industry and awareness of related risk

ü  Contribute to development of new techniques improvement of process and workflows by applying in-depth knowledge

ü  Develop recommendations to adjust credit policies by analysing credit and financial performance

Implementation of risk management tools, Initiate processes Improvement and Impart training:

ü  Adherence to credit decisioning parameters as per Credit Policy on loan proposals

ü  Initiate and Implement process improvements for better customer experience thereby maintaining the organizations risk appetite.

ü  Structured training to be imparted for both internal teams as well as business associates on a regular basis.

ü  Work along with business teams to ensure timely delivery and controlled quality

Fraud Risk:

ü  Risk analysis

ü  Analysing the local market and keep updating the central team on fraudulent colleges, negative areas and profiles

Relationship Management, Customer Service and Team management:

ü  Excellence in service delivery on business processes, Inter departmental relationship management skills, Customer oriented process improvement.

ü  Keen team player, Self-motivating personality, good people management skills and an excellent motivator

ü  Communication Techniques

Qualifications

ü  Graduate in any field; MBA in Finance or Professional Degree of Chartered Accountant (CA) is preferrable

Experience & Skills

ü  3-5 years of related work experience in the financial service sector

ü  Good Communication and report writing skills

ü  Good Knowledge of Computer applications

ü  Team Worker, Analytical skills, Self Motivated

ü  Result oriented