Deputy Manager - Credit Lead

Customer Underwriting:

- Evaluate credit applications end-to-end - financials, trading history, cash flows, and sector-specific risk factors; prepare structured credit appraisals with limit recommendations for review.

Limit Monitoring & Adjustments:

- Track credit limit utilization across the active portfolio; process realtime limit adjustment requests tied to harvest and seasonal cycles; flag exceptions and escalate to Head of Credit.

Portfolio Health Monitoring:

- Monitor DPI (Days Past oldest unpaid Invoice) and DPD daily; identify early-warning signals; maintain a live watch list for at-risk accounts and ensure timely escalation.

Collections Coordination:

- Prepare and hand over DPI 120+ accounts to the collections team with complete documentation; track resolution and update portfolio records.

BPR Support:

- Compile and validate portfolio data for weekly Business Performance Review sessions; ensure numbers are accurate and variance is explained before the review.

Policy & Governance Execution:

- Apply credit SOPs consistently across all channels; flag policy gaps or edge cases to the Head of Credit; maintain audit-ready credit files for every active customer.

Field Visits:

- Travel (25 - 30%) to assess customer operations, validate financial information on the ground, and build direct relationships with key traders.