Manager Credit - Digital - SME Finance - Credit - Mumbai - Goregaon E - JM

1  Digital Credit Assessment:

• Utilize digital tools and technologies to assess creditworthiness of SME clients.


• Implement data-driven credit scoring models for automated decision-making.

2  Credit Policy Adherence:

• Ensure strict adherence to credit policies and procedures.


• Evaluate credit applications against established criteria.

3  Efficient Credit Processing:

• Streamline the credit approval process using digital solutions.


• Minimize manual intervention and enhance efficiency.

4  Data Analysis:

• Analyze financial data, credit reports, and other relevant information.


• Identify key factors influencing credit decisions.

5  Risk Evaluation:

• Assess credit risks associated with SME clients.


• Determine appropriate credit limits and terms.


• Communicate with SME clients to gather additional information and clarify details.


• Provide feedback on credit decisions to clients when necessary.

6  Documentation and Records:

• Maintain comprehensive records of credit assessments and decisions.


• Ensure documentation is complete and accurate.

7  Compliance and Regulations:

• Ensure compliance with regulatory requirements in digital credit assessments.


• Stay updated on relevant regulations and implement necessary changes.

8  Credit Monitoring:

• Implement digital tools for ongoing credit monitoring and portfolio management.


• Identify early warning signals of credit issues.

9  Team Collaboration:

• Collaborate with cross-functional teams, including technology and data analytics teams.


• Ensure seamless integration of digital credit assessment solutions.

Qualifications - 

Minimum Degree: Post Graduate/Graduate in any discipline.