Roles and Responsibilities Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems. Exceed service quality standards and strive for continuous process improvement. Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team. Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

Roles and Responsibilities Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems. Exceed service quality standards and strive for continuous process improvement. Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team. Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

Manages AP accounting, ensuring accuracy and timeliness. Ensuring high documentation standard. Maintaining sufficient schedules and reconciliations.Good working knowledge on TDS, TCS and GST compliance requirement. Well aware of current changes in GST and TDS tax laws.Manages monthly and annual closure of AP, Advances and GLs. Ensure accuracy of financial statement.Manages end-to-end statutory, tax and internal audit requirements in AP. Ensuring timely closure of audit requirements.Maintaining vendor master, ensuring completeness of vendor master from all aspects.Develops and implements policies and procedures (SOPs) in accounts payable function. Ensuring an effective and efficient process and controls. Liaison with vendor managers for timely settlement of advances. Meeting the expectation of other department stakeholders.Manages subordinate staff in the day-to-day performance of their jobs. Trains and evaluate employees to enhance their performance and work standard.More ResponsibalityEnsure timely raising of the vendor lease invoices (receivables) and revenue.Prepare reports on cash collection and direct bill revenue.Ensure complete entries in the system (Tally).Identify problematic accounts and provide regular updates on receivables to management.Liaison with the Legal team for any for legal escalation.Ensure timely resolution of the vendor queries.Keep all data / information ready for timely audits and ensure the red flags are raised on a very minuscule level.Prepare revenue reconciliation reports and debtors ageing report / analysis.Maintain / update necessary report, spreadsheets.Maintain effective relationship with Client/ vendors.Effectively manage relationship with legal team, internal employees etc..Ensure timely updation of the required skills.Attending relevant forums / seminar for market updates / intelligence.