Regional Credit Manager

Job Context

The Regional Credit Manager will oversee the flow of BIL and PIL proposals across branches in the assigned region, making sure the process runs in a structured and efficient way.

Key Aspects

• Guide the movement of BIL and PIL proposals smoothly across all branches in the region.
• Review credit proposals carefully, carrying out thorough due diligence and ensuring every detail needed for a sound credit decision is captured.
• Maintain the agreed turnaround time for credit appraisal and work closely with the sales team so decisions are made faster and overall sanction timelines improve.
• Lead a team of Credit Analysts responsible for due diligence, proposal analysis, and recommendations for approval.

Key Challenges

• Ensure accurate and timely data is available for detailed credit appraisals, keeping in mind the different structuring needs of each proposal based on the customer, product, and regulatory requirements.
• Deliver efficient turnaround times in a fast-moving and competitive market.
• Keep credit risk and customer risk under control at all times.
• Promote smooth coordination across functions so credit proposals receive approval without delays.
• Track sticky accounts and pending documentation regularly and ensure they are brought up to date.
• Stay current on economic, industry, and sector developments, and make sure the team does the same.

Additional Information

This role is based in Gujarat, India and is a full-time, onsite position.