Area Credit Manager - SME Thane

Job Description:

To evaluate the risks relating to industry, business, finance and management for the
SME loan proposals.
To effectively use the risk assessment to work out the credit risk score to be further
translated to credit rating of the entity.
To effectively use various statistical tools to develop risk pricing premium matrix based
on various rating grades and tenure of the loans.
To adhere to the various credit risk limits set as per the credit risk policy to maintain
the portfolio risks at a manageable level.
To carry out age-wise analysis of the portfolio defaults to assess and highlight possible
development of stress in the SME asset portfolio.
To review the new product norms from time to time and suggest changes to suit
market requirements without compromising overall risks.
To monitor the SME portfolio in terms of the credit risk policy
To monitor the external environment which can have a bearing on SME portfolio and
suggest changes to review the credit risk policy.