Main Accountabilities • Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources) • Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility • Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team • Meet customers (retail & strategic) at regular intervals to understand various industry & markets • Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes • Control & Monitoring of Post Disbursement Documents –Invoice, Insurance & RC by way of interaction with sales and customers • Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels • Working on projects/process improvements from time To time • Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement • Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants • Detailed financial appraisal covering the business model, working capital cycle, profitability etc • Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health • Identify the automation opportunities in existing processes, new product development • Quality of Credit Underwriting • Raise early warning signals for exit of stress accounts and take due measures for timely exit • Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines • Active involvement in customer visit • Regular MIS on market intelligence