Job Description- National Credit Manager - Business Loan

· Develop and implement credit policies and procedures in alignment with regulatory requirements and company objectives.

· Manage the credit underwriting process, including evaluation of loan applications, credit scoring, and approval/rejection decisions.

· Monitor and analyze credit portfolio performance, identifying areas of improvement and implementing strategies to mitigate risk.

· Conduct periodic reviews and audits to ensure adherence to credit policies and regulatory standards.

· Provide leadership and guidance to the credit team, fostering a culture of accountability, professionalism, trust and continuous learning.

· Recruit, train and develop a high-performing credit team capable of meeting organizational goals.

· Set performance targets and KPIs for the team, regularly assessing performance and providing feedback for improvement.

· Manage budgetary allocations for the credit department, optimizing resource utilization and controlling cost effectively.

1. A strong grasp of credit principles, such as risk reduction techniques, loan structuring, and credit scoring.
2. Proficiency in financial analysis, including the ability to evaluate loan offers, assess creditworthiness, and comprehend financial statements.
3. Advanced analytical skills, with the ability to interpret data, identify trends, and make informed decisions

Eligibility Criteria:

1. Minimum of 15 to 20 years of experience in credit management within the financial services industry, with at least 7 years in a managerial role.
2. Proven track record of successfully managing credit operations, implementing credit policies, and achieving business objectives.
3. Knowledge of lending-related regulatory regulations and compliance standards.
4. Excellent interpersonal and communication abilities, including the capacity to work well with both external partners and internal stakeholders.
5. Proficient in MS Office applications and credit management software.

Educational Qualification:

· Graduate