Deputy General Manager - Credit Monitoring
Purpose and Scope of
Position:
The position is
responsible for analyzing, tracking and monitoring performance of the clients
(TPs) and managing the loan portfolio of NSDC.
Includes maintaining and
tracking performance parameters through SAP system for efficient monitoring of
the portfolio.
Duties and
Accountabilities:
Portfolio/ Account Management - Develop a deep understanding of
the business and financial needs of the clients; provide timely guidance and
hand-holding support in reaching their financial and social goals as per the
project approved. This would include post sanction/ account closure/ conversion
requests etc.
Financial Analysis - Develop analysis of financials inclusive of
Utilization certificates, bank statements and financial statements of all
Training Partners and SSCs on a quarterly basis, review the same and prepare a
variance statement vis‐à‐vis their commitments in the proposal and send
feedback or clarification emails to Training Partners for variance as noted.
Follow up for closure on the queries and highlight to NSDC’s senior management
if there are any critical deviations/ early warning signals emanating out of
this analysis.
Training Partner Rating Framework - Periodically modify / improve
and publish an annual rating of Training Partners in the NSDC ecosystem.
Data update and analysis - Provide technical support or oversight over data
entry into the LMS, SIP system for financial analysis/ monitoring purposes.
Management Dashboards- Lead the project for digitizing/ automating to make
it highly interactive with info graphics basis supply side variables and robust
drilldown reports.
Regular follow up and Escalation – Regular follow up for submission
of documents in compliance with agreed terms to be ensured. Non- compliance of
terms and conditions of funded/ non- funded agreement with NSDC to be escalated
to NSDC management in a timely manner.
Collateral Tracking – Monitoring and regular tracking of collateral/
security obtained by NSDC. Maintaining and sharing monthly/ fortnightly tracker
of post-dated cheques/ bank guarantee and other time critical documents to
ensure the collateral held is renewed and valid at all times.
Provide weekly/monthly dashboards highlighting performance of
partners and major operational areas of concern. Analyze the overall
performance of TPs and highlight any major trends (positive or negative)
noticed during the process.
Must haves:
Experience in analyzing financial statements, performance and trend
analysis for assessing the creditworthiness of the company.
Experience in preparing credit proposals/ rating rationale.
Adept in credit risk assessment, ratio analysis, financial projection,
operational and industry analysis.
Analyzing the business model, identifying strengths, weakness, risks and
corporate structure of business.
Hands on experience in CMA preparation and excel functioning.
Knowledge of corporate restructuring is an add on.