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.