• Assist in evaluating the creditworthiness of potential customers or clients by reviewing financial statements, credit reports, and other relevant information.• Support in implementing and enforcing credit policies and procedures to ensure compliance and minimize credit risk.• Identify opportunities for process improvement in credit management and contribute to initiatives aimed at enhancing efficiency and effectiveness.• Train and mentor credit team members on policies, procedures, and best practices.• Promote a culture of continuous learning and improvement within the credit department.• Analyze data to identify trends, risks, and opportunities for improvement.• Provide insights and recommendations to senior management based on analysis.• Assist in developing, implementing, and enforcing credit policies and procedures.• Ensure compliance with company policies and regulatory requirements.

● Set Clear team Goals ● Delegate tasks and set deadlines. ● Oversee day-to-day operation ● Monitor team performance and report on metrics ● Motivate team members ● Discover training needs and provide coaching ● Listen to team members’ feedback and resolve any issues or conflicts ● Recognize high performance and reward accomplishments.

● Responsible for understanding personal and commercial loans ● Take decisions on Credit applications under the policy ● Undertakes the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospects ● Fraud checking and Document verification ● Takes ownership of the credit process, making decisions in the best interest of the customer and organization ● Analyzes more complex credits with assistance from senior staff ● Determining customer capacity to repay the credit ● Calculating risks and reviewing financial statements. ● Revising credit limits. ● Checking CIBIL reports and DPD files. ● Allocation of customers Data