Role: Credit Manager Direct Reporting To: Regional Credit Head

Grade: Functional Reporting To:

Department: Credit & Risk
ROLE PURPOSE
This role is responsible for implementing credit strategy across all businesses, providing insights to the Regional/Zonal Credit Head with all
necessary information required for decision making process in assigned Area/Location, while maintaining adherence to policy. This role would
also be accountable for maintaining portfolio quality across all products in assigned area and ensuring proactive corrective measures are taken.
ROLE DETAILS
DO—Key Responsibilities / Accountabilities DISPLAY - Qualifications and Experience
 Ensure analysis of credit proposals for all lines of businesses cases in the assigned area as per the Qualifications and Technical Skills
approved policies  CA/ MBA in finance
 Maintain a healthy portfolio for all businesses with minimum delinquency as per the company  Possess wide knowledge of accounting
norms with the defined TAT and improve understanding of credit policies with each case and and financial policies and procedures
periodic inputs from Area/Regional/Zonal Credit Heads to ensure future delegation of
underwriting responsibilities Overall and Specific Experience
o Ensure quality of appraisal in the assigned area is within the set parameters of Non Starters  3+ years in Credit position
(Early Delinquency) and is in line to deliver desired credit quality (bounce rate% and NPA %)
o Verify all the information in file and in LeviOsa application match inputs gathered in Personal Key Behavioural Attributes
Discussion and ensure all documentation is as per policy.
 Planning and organizing
o Ensure accuracy of all information shared by sales team to make necessary changes in  Analytical ability
records if any
 Decision making
o Ensure all proposals shared to ACM/RCH/ZCH are as per defined process and within credit
 Customer & Stake holder Focus
parameters as defined in the SBFC credit policy
 Attention to Details
o Review all customer proposals in the area to ensure all documentation is done properly and
 Team Management
entire legal and customer evaluation process has been followed. Take necessary actions in
 Vendor Management
cases where deviations are found to ensure total compliance
o Drive portfolio quality for the area within acceptable threshold ( delinquency + bounce
Key Interactions
 percentage) it should be <1% Delinquency Internal
 Maintaining minimal bounce all business (% of Bouncing rate across all business should  ZCH & HODs
maintain) while driving business support for the area within acceptable limits ensures quality of  For direction related to
business booking is assured as per plan. implementation of credit policy
 Visit customers at respective area/ location on regular intervals with support to business
 Conduct PD (personal discussion) on all cases for detailed evaluation of customers, ensure  Business Heads
proposals are accurate and recommend accordingly  Advice on functional aspects to

 Ensure Periodic review with Area/Regional/Zonal Credit Head on conducting PDs to ensure avoid any kind of financial risk
quality of underwriting is maintained as customer base increases and customer  RHRBP
demographics changes  For training and HR activities
 Provide observations in reports to be shared with the ACM/Regional and Zonal Credit External
Heads  External FI agencies
 Ensure a check on Fraud control, proactively highlight fraud cases, mitigate factors which might  External Valuation committees
affect creditworthiness of a customer to reduce risk, ensure fraud checks are performed in  Vendors & Dealers
credit process to deliver NIL fraud in the assigned area  Peers in the Industry
 Analyze present portfolio behavior and progress reports on an ongoing basis, highlight key risk  Keeping updated on
issues and health of portfolio to ACM/RCM and ZCH. developments in the industry,
 Highlight observations on the health of the portfolio at the area level to Zonal Credit Head and ensure visibility in the industry by
Business counterpart and develop mitigation plans to control risks attending industry conferences
 Vendor Management:
 Periodic review meeting with all vendors to communicate inputs from the team, and other
recommendations for process improvements
 Ensure communication as per policy

Validated by : Revised by :
Validated on : Revised on :
Incumbent’s Name : __________________________________, Designation: ________________________ Incumbent’s Signature:________________________ Date: __________________