Muthoot Microfin Limited Hiring for Regional Credit Manager – Microfinance Job at Calcutta Full Time

Desired Candidate Profile

2-3 years experience in Area Credit Manager / Manager-Credit Role (Bank/MFI/NBFC background preferred)

Job description

Roles and Responsibilities

• Handling the branches in region/Zone
• Proper verification/authentications to be ensured before approving deviations within TAT of regions assigned.
• Ensure decisions on deviation loans in line with regulatory guidelines, on documentary proofs & internal policies with zero errors
• Keep master data of other MFIs documents (NOC/Loan card/LCC.. etc) for authentication.
• Evaluate which type credit deviation majorly hit/effect in delinquency /PAR etc to understand the OPS underwriting & credit risk. (Monthly/Quarterly)
• Evaluate region /state wise type of deviation escalation and its count.
• Suggest credit policy changes according to the type of deviations and its risks for area /state etc.,
• Monitor Portfolio Quality of loans for the assigned branches & Conduct Periodic review to take necessary actions to management for highlighting risk areas.
• Conducting frequent surprise visits to branches to ascertain that systems/procedures /policies are being followed and there are no deviations from established policies and procedures

• Ensure to identify Risks/processes in the region and ensure that the processes/policies are effectively managed.
• Identify Training requirements on credit risk areas for branch team on quarterly basis
• Quarterly meeting with Ops and other departments on Credit risk areas.
• Analyse and assess credit risk of potential customers using credit bureau reports and host of alternate data
• Hands on experience in Advance excel with sufficient analytical skills

Job Types: Full-time, Regular / Permanent

Salary: ₹35,000.00 – ₹40,000.00 per month

Benefits:

• Cell phone reimbursement
• Life insurance
• Provident Fund

Schedule:

• Day shift

Experience:

• total work: 5 years (Preferred)
• Credit analysis: 2 years (Preferred)

Language:

• English (Preferred)