Login for faster access to the best deals. Click here if you don't have an account.

Assistant Credit Manager Full-time Job

1 year ago NBFC Bihār Sharīf   126 views
Job Details

Job description

Desired Profile of Candidate for ACM

Qualification

MBA/Post Graduate/MBA fresher also

Age limit

23- 32 Yrs.

Experience

  • 3+ Yrs. in NBFC MFI, Banking and Financial Industry.
  • Should have knowledge in retail products/LAP/home loan/auto loan/business loan/individual loan/personal loan.

Mandatory

Driving Licence

Aadhar Card

Requirements

  • Ability to minutely scrutinize the defined procedural parameters
  • Sound understanding of Financial sector
  • Should be open for relocation and traveling
  • Should have experience in field credit/field verification.

Preferred Skill

  • Good Communication Skill
  • Analytical skill
  • Managerial skill

Assistant Credit Manager

  • Job Description of Assistant Credit Manager (ACM)
  • To do Credit Appraisal of loans (both Secured/ Unsecured) as per the credit policy of the company. (within 3 working days of QT)
  • To approve the village for starting operations post village survey by EDO
  • To verify all the documents pertaining to credit appraisal (KYC, bank account details etc.)
  • To ensure all the documents in loan file are correct and complete in nature along with necessary signatures.
  • To conduct personal discussion with borrower and co-borrower, family members at their door-step.
  • To ensuring that no agent/ ring leader are involved in formation of group or disbursement of loan and no commission has been paid by any client/ co-borrower to any person acting as agent, broker, dealer, distributor.
  • To analyse and evaluate clients credit worthiness through personal discussion/ financial information.
  • To approve loan applications or refer them to management for a decision (To ensure that any deviations found during visit & in client files, if any, are recorded and reported to respective operation & credit team for appropriate approval, as applicable
  • For skill development training of Branch Team including Sr. EDO, EDO & EDO-L, SO.
  • To ensure effective implementation of any new product & services, processes and policy of the company by training the Branch team along with BH
  • Conducting Branch all staff meeting along with BH and maintaining record of the same.
  • Will be responsible for overall management and monitoring of Satya Hostels along with BH.

Other Responsibilities:

  • To ensure regular Surprise Centre Visits (75 non-repetitive meetings in the quarter) to check the health of the centre and %age attendance of members is maintained. (25% LUC through cross check)
  • To conduct portfolio analysis and escalate to higher authority, if any observation is found in the portfolio behaviour.
  • Ensure audit compliance of the Branch along with BH.
  • For maintaining a healthy portfolio at the respective branches.
  • Intimation of any fraudulent, financial manipulation or any other instances which may hamper company to Head Office.
  • For taking precautionary steps to prevent any Crisis Situation.
  • For making important and innovative suggestions for the improvement of product/ process/ policies of the company.
  • For any other task assigned by the management as per company requirement.
  • Submission of Report to HO on any delay & delinquency in Collection & Arrear.
  • Responsible for overdue coming in first six- month after disbursement.
Company Description
SATYA MicroCapital Limited is Delhi based, RBI-registered NBFC - MFI” which launched its microfinance operations in November 2016. SATYA has since established 150 branches across 22 states, namely, Assam, Bihar, Chandigarh, Chhattisgarh, Delhi, Haryana, Himachal Pradesh, Jammu & Kashmir, Jharkhand, Karnataka, Madhya Pradesh, Meghalaya, Odisha, Punjab, Rajasthan, Tamil Nadu, Tripura, Uttar Pradesh, Uttarakhand and West Bengal. It primarily caters to women who own businesses and are looking for means of expansion.
To know more about SATYA MicroCapital Ltd.
You may visit our website: www.satyamicrocapital.com
What is Banksterindia.com

BanksterIndia - India's Most Popular & Trending JOB site for BFSI professionals-

  • BanksterIndia aims to develop such a platform where Millions of job opportunities from the BFSI sector can be View, Share, and can be Directly Applied by the professionals,
  • On BanksterIndia we allow Employers to search and hire Fresh/Experienced candidates for their organization.
  • Candidates those are from BFSI background or want to start their career in the same can apply their Dream Jobs.
  • "STAY CONNECTED & STAY UPDATED".
Source By
Naukari.com