Cluster Manager – Credit

  • Designation

    Cluster Manager – Credit

  • Job Type

    Full-Time

  • Remuneration

    As per industry standard

  • Job Summary

    The Cluster Manager – Credit will support business teams in managing credit approvals for the designated region. This role involves underwriting business loans, leading a team of credit approvers, and ensuring portfolio quality. The manager will also oversee external vendor coordination, collections, and compliance with regulatory regulations.

  • Key Responsibilities

    • Support and co-partner with business teams to manage end to end credit approval for the designated region. Underwrite for all customer segments for business loans and present to senior level. Lead a team of credit approvers to ensure portfolio quality and delinquencies.
    • Finalize review of credit memos, prepared by underwriters, and approval/ decline signoffs on every file after checking for documentation requests.
    • Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
    • Co-ordinate collections, liaison with the recoveries team and generate business insights.
    • Engage in development, implementation, review, and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB.
    • Extensively travel to oversee branches falling under his territory in order to develop business, guide the team and ensure quality portfolio in the assigned region.
    • Ensure compliance to all Audit /other regulatory regulations as well as processes, policies and reports as per company designed systems.
    • Any other tasks & assignments may be assigned from time to time by the Management.

  • Desired Profile

    • Bachelor’s degree in accounting, business administration, finance, or a similar field.
    • Proven work experience of more than 6 years as a credit manager dealing with SME UBL/ML/Micro loans.
    • Advanced knowledge of accounting software.
    • Good understanding of lending procedures.
    • Advanced mathematical and analytical skills.
    • Excellent communication and interpersonal skills.
    • Ability to handle stressful situations.

  • Locations

    Jaipur, Rajasthan

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