Sr. Manager - Credit Administration - Mumbai - Lodha (I -Think Techno Campus) - MM

Manager – Credit Administration REPORTS TO (SOLID & MATRIX): Position Grade: Business Unit: SME Department: Credit Sub Function: Credit Administration Location: Number of Positions: Single / Multiple Position Type: Full Time Job Purpose Direct Reports (Position Title) Resources The objective of the Manager

• Credit Administration is to oversee and manage all aspects of credit administration processes, ensuring accuracy, compliance, and efficiency. This role involves issuing sanctioned letters, verifying pre-disbursal documents, coordinating with operations, managing security perfection, monitoring post-disbursal documents, generating MIS reports, and driving process mapping and improvement initiatives to support the business. Team Size Direct: Indirect Team Size (Onrolls): Financial Resources Book Size: INR XX Net interest income: Main Accountabilities Qualifications & Experience Minimum Degree: MBA in Finance/ CA Minimum Years/type of experience: 5-7 years Competencies: Speed Meritocracy Leadership Effectiveness Customer Focus Tech Quotient Sustainability Adaptability Influence Collaboration Integrity Resilience Agility Decisiveness Risk management Financial acumen Functional Competencies TCL shall populate as per the existing grid Key Decisions taken Approval of sanctioned letters to clients, specifying credit terms and conditions. Verification and approval of pre-disbursal documents for credit facilities. Decision on the perfection of security and the creation of charges for asset-backed credit. Issuance of Sanctioned Letters: Prepare and issue sanctioned letters to clients, outlining the terms and conditions of credit facilities. Pre-Disbursal Document Verification: Verify and validate pre-disbursal documents and documentation for accuracy and completeness. Coordinate with the operations department for data input and file maintenance. Security Perfection and Charge Creation: Ensure the proper perfection of security and the creation of appropriate charges for assets securing the credit facility. File necessary documentation with the Registrar of Companies (ROC) as required. Document Maintenance and Updation: Maintain an organized record of all credit-related documents and ensure they are kept up-to-date. Monitor and manage document expiration and renewals. Post-Disbursal Document Follow-up: Supervise the follow-up process for post-disbursal documents (PDD) from clients. Maintain records of PDDs and ensure their completeness. Deferral MIS: Prepare Management Information System (MIS) reports related to deferral cases. Track and report on deferral conditions in line with sanction terms. Security Creation and Follow-up: Oversee the process of creating security instruments and follow up to ensure timely completion. Maintain records of security creation and compliance. MIS on Revenue Leakages: Generate MIS reports to identify revenue leakages as per sanction conditions. Implement corrective actions to minimize revenue losses. Process Mapping and Improvement: Map credit administration processes, identify areas for improvement, and develop process enhancement initiatives. Collaborate with teams to implement process improvements to enhance efficiency and compliance. JD Written by JD Approved by