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Saturday, September 21, 2024

Vacant for State Credit Head

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Company Name : Shiksha Financial Services

Experience Required: 8 – 12 years

CTC: ₹ 8,00,000 – 12,00,000 P.A.

Location : Chennai ( Urapakkam )

Job description

Roles and Responsibilities

  • Credit appraisal & decisioning LAP loan applications.
  • Monitor branch processing and facilitate final disbursal.
  • Handling Entire South – Tamil Nadu, Karnataka, Andhra and Telangana
  • Conducting personal discussion with the customers at their business place and analyzing their financial potentiality.
  • Frequent interaction with HO team and with colleagues in other region for market updation.
  • Training credit team and sales on Mortgage process and policies.
  • Supporting sales and credit team in decision making and structuring cases.
  • Coordinating with vendors. ( Lawyer, Valuer & verification Agencies)
  • Formulate an integrated credit risk management framework
  • Ensure that all credit Risk operations have been assessed against risks and that all potential dangers in processes have been identified and reported.
  • Develop and monitor the credit and credit risk policies at business level risk
  • Analyze and monitor credit performance to identify risks.
  • Risk analysis of the Credit portfolio geography wise, Product wise and Customer wise to monitor the level of credit risk borne by the Company.
  • Develop and maintain credit scorecards for the portfolios and its usage for credit appraisal
  • Ensure effective communication and collaboration with Heads of Operational and Market Risk

Desired Candidate Profile

  • Knowledge on Property valuation and Legal clearance is a must
  • Excellent oral and written communication skills
  • Self-starter with demonstrated ability to deliver under pressure.
  • Ability to work in an evolving and fast paced environment

About Company

Shiksha Financial Services leading Chennai headquartered NBFC, Shiksha Financial Services India Private Limited that has pioneered an innovative lending model centered around the education sector where the Company provides business loans to educational institutions and student loan to parents of children.


The Company has operations in Tamil Nadu, Andhra Pradesh, Karnataka, Maharashtra and Telangana with 300+ staff. The Company has till date disbursed 3000+ school loans and 70000+ student loans aggregating Rs 400 crores. The Company raised Rs 55 crores in a Series B equity raise in 2019 following a Series A capital raise of Rs. 21 crores in 2017. The Company has also cumulatively raised Rs 210 crores of debt. The Company is rated BBB-.

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