REGIONAL CREDIT MANAGER - ANCHOR ONBOARDING
Siddhayani ConstructionsJob Description
REGIONAL CREDIT MANAGER - ANCHOR ONBOARDING
- Reviewing of anchor companies / anchor programs (vendor /dealer finance anchor programs) for deep tier Supply Chain Finance vertical
- Responsible for analysing the Anchor Company / Fintech partners with the required due diligence and to ensure that all information required to take a credit decision is captured. This would involve understanding the anchor's business model, financial analysis, management and industry analysis.
- Discuss with anchors for better understanding of their business credentials, ensuring timely movement of cases
- Underwriting / devising risk framework of Supply Chain Finance Anchor programs.
- Recommend quality anchor programs thereby ensuring good quality portfolio and minimal level of NPAs
- Monitoring of various anchor program review triggers for existing anchor program and ensure compliance with the set parameters. Highlighting those case where the trigger is breached to the senior management
- Portfolio monitoring of Anchor programs to identify Early Warning Signals.
- Conduct detailed analysis of delinquencies and recommend changes in Anchor program
- Ensure that the anchor renewal proposal is compliant with the stipulated conditions at the time of previous sanction
- Building an Underwriting model for NTC population for a banking partner based on transaction data
- Responsible for ensuring sound understanding of credit policy across all relevant levels.
- Keeping updated on the various changes in economic scenario / sectoral changes, negative news /updates on anchor Company financial performance / changes in external rating etc.
- Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
- Highly Specialized role – By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.
- To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency
- Product knowledge at market level and market segmentation is necessary.
- At least 5 years of experience in business banking with prior experience in supply chain finance
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