Manager-Credit FIG

1. POSITION DESCRIPTION

JOB TITLE

CREDIT MANAGER-FIG

GRADE

AVP-I

DEPARTMENT

CREDIT

LOCATION

HO

SUB-DEPARTMENT

FIG

TYPE OF POSITION

Full-time

REPORTS TO

National Credit Manager-FIG

REPORTING INTO

-

2. ROLE PURPOSE & OBJECTIVE

• This role is responsible for Credit analysis along with training of junior credit analyst/RMs.

• The incumbent will manage the best quality of assets/investments generated by FIG/Treasury in accordance with regulatory standards.

3. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Managing loan / investment portfolio of ~Rs2000 crores across FIG/Treasury vertical.

• Training junior analyst PAN/RMs India.

4. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

1. Business/ Financials

• Ensuring complete credit under-writing and due diligence of the existing as well as prospective client within defined TAT

• Ensuring best quality of portfolio / investment of FIG/Treasury through Regular review of portfolio / covenant breaches

• Training of Junior Credit Analyst /RM

• Provide development opportunities to the team and ensure career paths and succession plans are charted out, reviewed and updated

• Handling Internal/Statutory/RBI audit in coordination with various other teams

• Handling Compliance related issues

2. Customer

• All NBFCs/MFIs/Corporate entities/Banks/Broking entities in the portfolio being managed.

• Client meeting to understand their on-ground functioning & actual performance while reviewing any proposal.

3. Internal Process

• Writing notes adhering to internal policies & RBI guidelines on Lending/investments to NBFC/MFIs/Corporates/Banks/Broking entities of bank.

• Review & updation of internal policies of the group at regular interval.

• Regular monitoring of portfolio & covenants

4. Innovation & Learning

• Updated with latest developments in the market & informing the same to all relevant stake holders at appropriate time.

5. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

CA/MBA Finance

Experience

Min 6-8 years’ experience (Banking/NBFC experience)

Certifications

-

Functional Skills

• The candidate preferably should have working experience of min 4-5 years in credit appraisal of NBFCs/MFIs/HFCs/Corporates/Banks/Broking entities.

• The candidate should be well verse in detailed financial analysis, analytical tools and overall risk assessment measures.

• The candidate should have good communication skill (written as well as oral)

• The candidate should be well versed with different lending structures being offered to NBFCs/MFIs/Corporates/Broking entities and should have good understanding of regulatory guidelines and general sense of market events.

• The candidate should be well verse with necessary regulatory guidelines on lending/investment to NBFC/Corporates/Banks/broking entities.

• The candidate should be able to check market standing of the borrowers in the portfolio through his off-market contacts.

Behavioral Skills

• Disciplined, analytical thinking, team leading abilities, Inter-personal skills, self-motivated & Proactive approach

6. KEY INTERACTIONS

INTERNAL

EXTERNAL

• Risk

• FIG/Treasury

• Compliance

• Legal

• RBI/Statutory/Internal Auditors

• Clients

PREPARED BY :

DATE

REVIEWED BY : Ashish Goel

DATE : 5^th July 2023

LAST UPDATED BY : TM Team

DATE : 18^th July 2023