•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.
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