Credit Manager | SMS Consultancy Pvt Ltd

Job Description BRANCH UNDERWRITING: Piramal Capital & Housing Finance ltd., as a commitment to serve all lending needs of consumers of Bharat is hiring Credit manager for its retail business. The person will be responsible for analysing the customer credit profile including financials and cash flow analysis for both salaried & self-employed segments, conducting personal discussions and underwrite / sanction the case. EXTERNAL: Customers Vendors Internal auditors Credit Bureaus KEY STAKEHOLDERS: Credit Head for HFC Risk & Compliance team Credit Analyst and Operations Legal team Sales team Collections team ESSENTIAL SKILLS: Knowledge of local markets and trends in retail lending Understanding of local business and micro economy Ability to work under tight deadlines and to prioritize conflicting and changing priorities Keen understanding and focus on risk, controls, compliance and regulatory framework Ability to liaise with internal stakeholders and cross-functional teams Strong customer focus and management of stakeholder expectations Strong analytical & communication skills (written & verbal) Should be willing to adapt to digital tools and processes QUALIFICATION: Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate 1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME) Deep experience & understanding of retail financial services across NBFCs, banking Key Skills Finance Manager Credit Control Credit Appraisal Credit Underwriting Credit Management Credit Operations Credit Manager Industry Banking / Financial Services / Stock Broking Functional Area Financial Services / Banking, Investments / Insurance / stock market / Loan Qualification B.Com, M.B.A/PGDM, M.Com, CA, CS, ICWA About SMS Consultancy Pvt Ltd SMS Consultancy Pvt. Ltd. is Established in 2002, well known and trusted name in Orissa in resettlement solutions. We have served many people in Orissa, for more than three year now, helping them in Immigration, settlement, overseas education and job assistance in abroad. We have business associates in India as well as in abroad .