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Sr Risk Manager ( Working Capital )

Employer
Birla Workforce & Technologies Private Limited.
Location
Mumbai Mumbai Maharashtra, Maharashtra, India
Salary
Competitive Salary
Closing date
Feb 12, 2024

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Job Role
Risk Manager
Sector
Finance
Contract Type
Permanent
Hours
Full Time
  • Purpose
  • Working capital Finance Underwriting
  • Position Responsibilities

  • • To appraise and underwrite working capital facilities like WCDL, Advance against Bills Receivable, Purchase Bills discounting and Sales Bill Discounting within defined RBI Guidelines / Internal policy guidelines and accordingly take decisions or recommend for approval to appropriate authority.

    • To conduct personal discussion with customer at their factory premises / Office to get clear idea / vision of the entrepreneur.

    • To Analysis Financial strength of the applicant customer with the help of their Audited Financials, Interim Performance etc.

    • To understand customer business/enterprise in depth and draw out the assessment peculiarities of the business or trade engaged in and to assess the intention, business continuity & credit behavior and verify it through non-traditional income documents & reference checks as well as from traditional income documents and various kinds of credit bureau checks.

    • Exposure to start-ups be an added advantage.

    • To prepare Credit Approval Memo, ensure complete adherence to laid down policy and procedure / process, liaise with sales team to proactively assess and resolve issues faced by the client.

    • To Manage the entire credit application process right from origin till disbursement.

    • To Co-ordinate with Legal and FI agency for processing the file & managing the overall TAT.

    • To prepare and maintain MIS covering all aspects of process and proposal and circulate to authorities on a timely basis.

    • To do Exception/ Deferrals Management, Tracking of Loan Review Mechanism / Credit Audit Issue, Early warning call / Watch List call.

    Skills: Financials, Mis

    Experience: 0.00-2.00 Years

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