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Job Purpose

  • He / She shall be responsible for Credit Underwriting of Secured Loans .

Qualifications

  • Any Graduate/CA/ICWA

Experience

  • 3 to 8 plus years of experience in the credit space with bank of repute / NBFCs

Functional Responsibilities

  • Detailed and objective assessment MSME Loan, Business Finance, Loan Against Property / Machinery and Onward Lending applications originating from across Tamil Nadu & PAN India
  • Preparing Credit Appraisal Note
  • Assess applicant profiles based on performance against predefined criteria, as well as an independent analysis on borrower’s credit profile
  • Credit appraisals of loan proposals with the help of financial analysis of the customers, information and data gathered in personal discussions, background reference checks, field investigation etc
  • Assessing credit worthiness of applicant by use of performance history and future forecasts along with liquidity, debt/asset management and profitability ratios
  • Assessing needs of clients and accordingly charting out viable finance portfolio after considering financial, legal and technical aspects

Functional Competencies

  • Ability to coordinate with internal and external stakeholders / Regulators to ensure 100% compliance
  • Good written and verbal communication skills
  • Good networking skills and ability to establish, nurture and leverage relationships
  • Ability to handle multiple tasks successfully and simultaneously
  • Ability to work under tight deadlines and prioritize work as required from time to time

Location

  • Chennai
  • Ability to coordinate with internal and external stakeholders / Regulators to ensure 100% compliance
  • Good written and verbal communication skills
  • Good networking skills and ability to establish, nurture and leverage relationships
  • Ability to handle multiple tasks successfully and simultaneously
  • Ability to work under tight deadlines and prioritize work as required from time to time

Job Purpose

  • As Sales Manager, identify prospective customers, understand requirements in line with company policies. Post disbursement responsible for collection also

Functional Responsibilities

  • New Client Acquisition & Business generation of MSME & LAP Business- Direct sourcing only
  • Undertake basic financial analysis of the customer to understand the financial health of the company and their promoters
  • Have a strong understanding of policies and norms of the company
  • Undertake field investigation and personal discussions with the customers (as necessary)
  • Shall be responsible for sourcing, servicing, and disbursing the business

Qualifications

  • Any Graduate from a recognized University

Experience

  • 3-8 years of experience in MSME / Business finance sales in Bank or NBFC

Functional Competencies

  • Deep understanding of MSME sector and MSME finance space with focus on sales Ability to coordinate with internal and external stakeholders to ensure superior customer experience Good written and verbal communication skills Good networking skills and ability to establish, nurture and leverage relationships Good client base and connects with MSMEs / Businesses in respective location
  • Working knowledge in strategic Finance areas, including financial planning & accounting, taxation, budgeting, reporting & controlling, financial & operational compliances
  • Knowledge in business and management principles including fund raise

Behavioral Competencies

  • Strong sales orientation and drive to meet and exceed targets Ability to work under tight deadlines and prioritize work as required from time to time
  • Analytical thinking
  • Skillful communication of ideas and knowledge
  • Excellent supervisory, team building, counseling and negotiating skills
  • Decision Making/Problem Solving Abilities
  • Open to suggestions & change, ability to work under deadlines and can prioritize tasks under pressure; Strive for excellence
  • Basic Computer/IT skills, Expertise in Excel

Location

  • Chennai