Credit Manager - MSME

Role & responsibilities

1. Credit Appraisal & Underwriting

• Assess MSME loan proposals including LAP, Micro LAP, HL for Self-Employed, and Business Loans.
• Conduct detailed financial analysis of:
• ITRs, GST returns, bank statements
• Balance sheets & P&L statements
• Cash flow assessment & surrogate income programs
• Evaluate business stability, repayment capacity, and industry risk.
• Recommend deviations with proper justification as per policy matrix.
• Maintain TAT as defined by credit policy.

2. Risk Assessment & Due Diligence

• Conduct personal discussion (PD) with applicants.
• Assess collateral security & property valuation reports.
• Coordinate with Legal, Technical for report validation.
• Identify early warning signals and mitigate credit risk.

3. Portfolio Monitoring

• Track disbursed cases and monitor early delinquency trends.
• Support collections team for high-risk accounts.
• Ensure portfolio quality within defined bucket norms.

4. Policy & Compliance

• Ensure adherence to internal credit policies and regulatory guidelines
• Maintain proper documentation and audit trail.
• Support internal and external audits.

5. Business Support

• Coordinate with Sales/Branch team for structured proposals.
• Provide guidance to sourcing team on policy and documentation.
• Participate in training for updated credit norms.

Preferred candidate profile

• Strong knowledge of MSME financial analysis
• Understanding of banking products & collateral-based lending
• Good understanding of property-backed loans
• 4+ Years of experience in Credit