Role & responsibilities

1. Credit Appraisal & Underwriting

- Assess MSME loan proposals including LAP, Micro LAP, HL for Self-Employed, and Business Loans.
- Conduct detailed financial analysis of:
- ITRs, GST returns, bank statements
- Balance sheets & P&L statements
- Cash flow assessment & surrogate income programs
- Evaluate business stability, repayment capacity, and industry risk.
- Recommend deviations with proper justification as per policy matrix.
- Maintain TAT as defined by credit policy.

2. Risk Assessment & Due Diligence

- Conduct personal discussion (PD) with applicants.
- Assess collateral security & property valuation reports.
- Coordinate with Legal, Technical for report validation.
- Identify early warning signals and mitigate credit risk.

3. Portfolio Monitoring

- Track disbursed cases and monitor early delinquency trends.
- Support collections team for high-risk accounts.
- Ens...