Abacus Consultants Looking for Credit Manager CTG at Mahesana, Gujarat Full Time

4 – 6 years

Chartered Accountant (C.A.) | MBA/PGDM

Credit- CTG

9 lkh ~ 10 lkh

Job Name – CTG Credit – Credit Manager

Job Title : (Job Name) – Credit Manager

Business Unit (PA) : CTG Credit

Team : (Sub team in the PA) Pan India

s to (job) : Area Credit Manager / Regional Credit Head

Location of role : Pan India

Job Fn : Credit Underwriting

Role Type: Individual

No of direct ees: Nil

Travel Required: Moderate

Job Band Range :
JD Created date: 01-12-2018

JD Updated date :
JD approved by (business) :
Version No : 2.0

Job Purpose

Proposal Evaluation and underwriting for the commercial transportation business, screening all proposals within agreed norms for TAT as per policy with minimal error Rate tracked through PAR and timely and complete submission of MIS

Monitoring on a monthly basis and tracking and identifying trends and extracting the necessary learning, early delinquency & Non-Starter targets need to be achieved

Ensuring optimal level of Productivity is maintained

Job Responsibilities(JR)

Actionable

File processing / under writing

Screening all proposals within agreed norms for TAT as per policy and timely & complete submission of MIS

Ensure high level of CAM content and quality is maintained in line with latest policy guidelines, update on market, industry etc.,

• Monitoring Portfolio Health / TTD population / Approval & FTAR Rates / RAL (Reject Approved Later) on a monthly basis and tracking & identifying trends and extracting the necessary learning
• Early delinquency targets to be below All India levels of 30+ POS, on POS Triggers as defined and agreed by all stakeholders

Market updating and vendor management

• To visit the market / meet the customers and document the same on a regular basis
• To keep the PDD under control as per policy
• Coordination and activating Sales for early resolution of deferrals
• Coordinating with vendors / adherence to TAT by the agencies/sample checks on quality and integrity

Coordination with internal stakeholders

• To have cordial and smooth relationship with Sales /OPS/ RIC/collections etc.

Educational Qualifications (examples listed below)

Key Skills(examples listed below)

Essential – Post Graduate

Preferable – MBA Finance, CA (preferably with higher cadre in the academics)

Comprehensive knowledge of financial and detailed understanding of different ratios, spreadhseet preparation and understand the functions of different business and trades.

A better inter-personal skill, Pro-active, positive attitude, knows how to build portfolio, initiator, and inclination towards customer service. Multi-tasking personality.

Should be able to handle pressure while ensuring portfolio quality is maintained

Good negotiation and communication skills along with robust thinking on different adaptable solutions.

Experience Required

2-3 years of experience in the relevant industry.

Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)

INTERNAL

Upwards: ACM, RCH, Head – CTG Credit, Group Head Retail Risk, CRO – Credit, Sales, Operations, RIC, Legal

Sideways: Peers-Credit, Sales, Operations, RIC

Downwards:
EXTERNAL Vendors-Central Processing Agents, ADFC Staff