Overview
Credit Manager – Education Loan
Job Description:
– An MBA or CA in Marketing and Finance will be preferred.
– Need a local language expert.
– Should be open for Travel within the state to ensure Physical Verification.
– 2 to 5 years of relevant experience in credit management experience in the Loan Department.
– Manage daily Education Loan files and ensure that all loan files meet corporate and regulatory policies and procedures.
– Credit Appraisal Underwriting: Maintaining the decision quality of appraisal and TAT for decision-making of the case.
– Meeting the loan borrowers and the applicants for personal interaction based on the risk profile of cases.
– Coordination with the sales and operations Team.
– Assessment of borrowers’ profiles, repayment capacity, and income stability.
– Understand and interpret results of financial analysis, banking analysis, and bureau reports.
– Analysis of all customer-related information in line with credit risk policy to check eligibility.
– Meeting and personal discussion (PD) with customers or consumers’ profiles and loan requirements.
– Contribute to the development of new techniques, improvement of processes, and workflows by applying in-depth knowledge
– Develop recommendations to adjust credit policies by analysing credit and financial performance